Be Cautious of These Common Household Electrical Hazards

A closeup of a frayed electrical wire extended off of a handheld applianceHousehold electricity keeps your home comfortable, your gadgets alive, and makes life simpler, but these currents can also be dangerous and potentially fatal if not properly maintained. It’s important to treat powered appliances and receptacles around your home with respect, as doing so will reduce the likelihood of injury or property damage. Let’s take a look at how to recognize some of the common household electrical hazards and what you can do to increase your home’s safety. [Read more…]

How to Take a Vacation as a Small Business Owner

A woman laying in a hammock on a tropical beach on vacation using a laptopIf you’re a small business owner or entrepreneur, it can be difficult to justify taking time off. Owning a small company means that your list of responsibilities is endless, and without you, it’s hard to imagine the business running smoothly. As the leader, you’re in charge of everything from checking inventory and paying utilities to promoting your business and keeping customers happy. However, everyone needs a break from work to practice mindfulness and recuperate energy. Let’s take a look at how you can take a vacation as a small business owner. [Read more…]

What to Know Before Joining the Tiny-House Movement

A small wooden house in the woodens with a stone path leading to the entrance, meant to signify the tiny-house movementYou’ve likely read about the tiny-house movement in an article or caught wind of the trend on Netflix’s Tiny House Nation. For small families or those looking to sell to take advantage of the blistering housing market, moving into a tiny home temporarily or permanently can sound alluring. The costs are minuscule, and unlike renting, you have complete authority over the interior and exterior remodeling. However, it can also be frightening to imagine the downsizing requirements of tiny-home living. Let’s discuss what you should know before jumping aboard the tiny-house movement. [Read more…]

What Happens If Your Vehicle is Totaled?

A blue car on the side of the road that was rear-ended by a white car.When you take your insurance’s definition of a total loss into consideration, it’s easy to see why a seemingly minor dent totaled your 2007 Saturn Aura. By most definitions, a vehicle is considered totaled when the cost of repair exceeds the actual value of the car. If your car’s value is low enough, even a slight fender bender can result in a total loss declaration. However, though it’s easy to understand how a car can be considered totaled, it’s less obvious what happens after your vehicle is totaled. Let’s review the insurance process and what this designation means for you. [Read more…]

The Difference Between General and Professional Liability

A psychiatrist giving consultation to a patient, meant to depict the need for professional liability insuranceAs a business owner, one of your top priorities is keeping your company protected from liability. A single lawsuit can be enough to topple a small business if not outfitted with the proper protections. However, with every industry facing its own set of risks, how do you know which insurance is right for you? Does a contractor require the same type of commercial insurance as a business consultant? To best safeguard your company, let’s review the difference between general and professional liability. [Read more…]