Hurricanes and earthquakes can wreak havoc on your business, but too many owners overlook these risks.
Running a business is fraught with challenges that must be addressed on a daily basis, ranging from personnel and payroll to competition and cash flow. Most business owners recognize the need to insulate themselves from risks, both internal and external. After all, hazards abound, whether they’re the result of honest errors on the part of the business or third-party negligence. Each of these risks are usually protected against by insurance, such as business property coverage or errors and omissions insurance.
This article is by staff writer Kristin Wong.
Despite that I don’t own it, I like my apartment. It’s got a mountainous view, it’s comfortable, and my neighbors are few but friendly. Sure, I’d like to own a home someday. But, unless I move to another city, that probably isn’t going to happen in the next few years. I’m fine with that. Like my neighbor said, I’d rather live here than anywhere else, at least for now.
If you sense a wee bit of defensiveness in my tone, you’re not imagining it. Part of me is trying to justify something.
Yawns, irritability, lack of oomph. These are the tell-tale signs of sleep deprivation we're all familiar with. But studies show a shortage of slumber can have far greater — and stranger — consequences on our bodies and minds. (See also: 8 Hours? 9 Hours?
Modern electronics are getting ever more powerful and coming with ever more capabilities, but no matter how great your electronic device is, it's powerless when it runs out of batteries.
Statistically, 80 to 90 percent of you live outside of California. When you read reports of the drought in California, then, your reaction may be something like, “Bummer for those dudes. Patti, please pass the peas.” You might want to reconsider, though, because chances are this drought could affect you more than you think.
Saying the drought in California is severe is a bit like saying the Queen Mary is a nice little boat. At least one Bay Area scientist says that, based on historic tree ring data, the 2013-2014 rainfall season is on pace to be the driest since 1580 (not a typo). That’s more than 150 years before George Washington was born!
How much longer will it last? A bigger question is: Will this drought continue, and how will it affect you if it does?
Statistically, 80 to 90 percent of you live outside of California. When you read reports of the drought in California, then, your reaction may be something like, “Bummer for those dudes. Patti, please pass the peas.” You might want to reconsider, though, because chances are this drought could affect you more than you think.
Saying the drought in California is severe is a bit like saying the Queen Mary is a nice little boat. At least one Bay Area scientist says that, based on historic tree ring data, the 2013-2014 rainfall season is on pace to be the driest since 1580 (not a typo). That’s more than 150 years before George Washington was born!
How much longer will it last? A bigger question is: Will this drought continue, and how will it affect you if it does?
The best gas credit cards enable you to take advantage of high reward rates on inevitable spending. With more than 200 million licensed drivers in the U.S. traveling on average over 13,000 miles a year, there are a lot of rewards that are going unrecognized and unredeemed.
The best credit cards for gas are actually cash back rewards cards. Each of these credit cards offer higher reward incentives for fuel purchases while providing a return on most other spending.
College is tough. You’re applying for scholarships, dealing with student loan debt, taking tough courses, and all while worrying about the end game – getting a job after graduation.
An internship is one of the best things you can do to help with your job quest. If it’s new to you, an internship is a job opportunity while you’re in college that occurs for a set period of time.
Here is your complete guide to finding an internship and how to make the most of it when you get one:
The Benefits of an Internship
What you’ll gain with your internship is priceless. Here are some of the benefits of doing an internship:
Experience
Of course it will depend on your specific internship, but the hope is that you’ll leave with great job experience. You’ll learn more about your industry while gaining skills and know-how that can make you can bring to your next position.
We obsess over it, we hoard it, we covet it, and we hate it… all at the same time. Our relationship with money is anything but simple.
Ironically, it's that same relationship that influences how much of the green stuff we'll have.
Welcome to Wise Bread's Best Money Tips Roundup!
Link for teaser title:
http://www.wisebread.com/bestdeals/today
PacSun: Up to 70% off with deals from $2, Spanx: Up to 72% off + extra 25% off, Down Alternative Queen or King...
While we may be sad to say goodbye to summer, the appearance of pumpkins cheers us up. They are a reminder of upcoming holidays — Halloween, Thanksgiving, and Christmas. Spices frequently used with pumpkin trigger our olfactory senses, which give us excitement and happy memories.
Has the season changed where you live, yet? Many places still feel the summer heat, but other regions are cooling down for Autumn. That means costumes and turkeys and falling foliage — not to mention pumpkin spice!
What do you like most about Autumn?
In February 2005, Sarah and I were handed a completely unexpected piece of information. Sarah was pregnant and our first child was going to arrive late in the year.
It was a life-changing moment. Sarah and I had several months to prepare, of course. Unfortunately, since we weren’t in the best financial shape at the time, we didn’t really focus on the financial implications very hard. Instead, we spent our time on learning how to be parents on a day-to-day basis. How were we going to take care of this baby?
While I’m glad we did so much reading and research and thinking about caring for that baby, I really wish we had spent more time preparing for the financial implications. Many of those issues came up in the first year or two of our child’s life during a period where we were frazzled by the huge life changes that parenting brings about. We didn’t always make the best choices given our exhausted states of mind.
It's hard to be a good investor.
Finances and cheating are amount the most common reasons for divorce. And what happens when you merge the two? You get a case of financial infidelity, but there’s a twist: a third party doesn’t have to be present to cause a problem.
In a nutshell, it’s the practice of concealing assets, debt obligations or conducting transactions behind your partner’s back that could have a major impact on your financial well-being as a unit.
And apparently, financial infidelity is somewhat commonplace. According to the results of a poll published by National Endowment for Financial Education, one-third of adults involved in a relationship where finances were combined admitted to some form of financial deception. Among the list of qualifying offenses were:
Everyone has days when they feel fat, bloated, and otherwise less-than-beautiful. Sometimes it has nothing to do with the numbers on the scale. On other occasions it's the direct result of a recent holiday cookie binge.
Amtrak isn't easy to love, and yet so many of us do.
The pleasure of watching one region of the country transform to another before our eyes — without having to keep those eyes on the road or stay strapped into seat belts — makes up for our rail system's failings.
This article is by staff writer William Cowie.
My wife and I took the dog for a walk the other day in our neighborhood. About half a block up the street we met Heather and George as they were unloading one of those moving PODS thingies. We introduced ourselves and asked their life’s story, or at least the part about buying the house they were moving into.
Turns out they were buying something better than they had before — trading up, in other words, as were the couple who sold them the house. Our direct neighbor, Elsie, works in a realtor’s office and she confirms that this is happening all across town these days. Most of their clients are selling because they are getting something better.
We expect much from people we see on television. And it’s worse when we perceive someone to be smart and talented, even if they’re speaking beyond their area of expertise.
We think someone who is a great community leader or someone who is a great business leader will make a great President of the United States. We see the similarities in roles and responsibilities and believe that intelligence and talent in one area leads to success in another. The same bias happens in ourselves. Why else would Donald Trump, a successful business person who doesn’t appear to have interpersonal communication skills based on his public statements and television appearances (I don’t know him personally) believe that he could be a successful politician?
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