Very often we tend to use our time only to consume more and more. Have you thought how rewarding getting creative yourself can be?

I want to show you three different ways to get creative! I will cover three different fields, so there will be something for everyone. The three different fields are reading, knitting and making a photo calendar.

My first idea for getting creative is making a special bookmark: a funny bookworm bookmark. I found this on a german website on bookmarks called lesezeichenladen.de. You can find the instructions in the section Bücherwurm basteln. Have Fun!

The second idea, although I must admit that most probably this will appeal more to women, is to knit a nice looking cap for the colder season. A fine set of instructions can be found on wunderfaser.de, the section is called Mütze stricken. I personally own one of those (to be honest, it was a present, but it was made using these instructions…)

The third idea for you creative minds out there is to make a photo calender with your own pictures. It is done using all free software. The instructions and the software can be found on www.naturfotokalender.de (section: Kalender mit Fotos selbst erstellen.)

Hope you enjoy my tips for a creative time! Go and do something yourself, you will be proud of it!

Buying van cover for personal needs is a totally different subject when it comes to business van insurance, the both insurances are the same but the policy terms are a lot different, this article will explain why.

UK businesses need van cover for the protection, like tools cover, public liability insurance, breakdown cover and employee liability insurance all built into one policy or the one insurance company, so makes it cheaper for them.

You as a person and private individual or feigned your quotes are much, much cheaper than a business van insurance quote.  If you have a minibus you use to drive your family around, the insurance risks of less because you don’t carry gas bottles or other dangers equipment, apart from the kids in the wife…

Individual van insurance can consist of policy elements like, breakdown cover or even European breakdown cover, you can have a courtesy van or car when your vehicle is off the road in the event of an accident or your van is getting serviced at the time.

Personal van cover, or private van insurance as the insurer of call it, cannot be used for any business use at all so when you explain to your insurance company what you use your van for, tell them exactly what you use it for because if you don’t your policy could be avoided if you try and make a claim.

Always tell the truth to insurance company, they are very smart they can’t find anything out from DVLA Swansea.  They would ask DVLA about you and your driving licence, make sure you’re not a band driver and to make sure that your policy and your driving record at DVLA matches your insurance policy, when you’re in insurer asks you if you have any claims or convictions.

That is a very important point, many people in the UK get disappointed when insurance companies say, sorry we cannot pay out and when you ask them why?  They may come back and tell you they have probably found something out or maybe something you have not told them when you started your van cover policy.

Tell the truth, not just about insurance, but life in general.

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IQ tests are tests which attempt to measure intelligence - where intelligence - subject to some contention, is defined as mental ability to among other things, solve problems, comprehend idea, learn new things and benefit from experience.

Attempts at testing intelligence have been with us for quite a long time. Ancient China for example, had an examination system (which really was some sort of an intelligence testing mechanism) and which was employed in the recruitment of civil servants during the Han Dynasty.

Intelligence testing as we know it by that specific name however has its roots in the work of a Frenchman called Alfred Binet early in the 20th century. History has it that Binet - who had established himself as a force to recorn with in psychology in France by that time had been given an assignment by the French government to develop a test that could reasonably predict given children’s potentially for educational achievement. The end result of Binet’s work was what he referred to as the Binet-Simon intelligence scale which was for long was used to ‘measure intelligence’

There have been many developments in the field of intelligence testing since Binet first formally ventured into the field. In fact, the very term IQ test (intelligence quotient) testing has been overtaken by these developments. As it were, when the term IQ test was coined, intelligence was then measured as a ratio of ‘mental age’ and ‘chronological age’.

Simply speaking, there were tasks that were considered apt for a given age and intelligence quotient which was measured by the IQ tests then could be calculated at Mental age/Chronological age x 100. In this case, a child of 10 years who could undertake tasks considered apt for a child of 12 had an intelligence quotient of 120, because 12/10×100 is equal to 120. Ideally, a person could only successfully undertake mental tasks apt for their age, and if a person could do mental tasks beyond their chronological age (e.g. the 10 year doing tasks apt for a 12 year old) was considered remarkably intelligent.

Another 10 year old doing tasks apt for a 14 year old would be even more intelligence and so on and so forth. Obviously, this method of measuring intelligence faced a number of challenges as it proves inadequate for measuring intelligence beyond a given age - because, as we know that (the supposed) intelligence does not just go on increasing with age - and in fact starts declining at a certain age. Modern IQ tests therefore tend to measure the subject’s standard deviation from established means (sort of midpoints) - since it has been established that intelligence in a given sample of people, like many other phenomena, if properly tabulated would form a curve and it is the deviations from the midpoints of that curve which is what is measured by modern IQ tests.

IQ tests and the whole notion of IQ testing have not been without controversy. There is contention, for example, on whether it is really possible to measure human intelligence - given that there is not even consensus on definition of the very term intelligence. The tests employed to measure intelligence have also been criticized for being biased towards certain social groups - especially after a prominent scientist in mid 20th century came up with the argument that certain races were intellectually superior to other races - an argument he backed with data obtained from IQ tests - and which was contested on account that items included in IQ tests give undue advantage to economically privileged (and thus well exposed) social groups - hence their apparent higher IQ test scores.

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