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5 Essential Commercial Insurance Tips

insuranceNo matter if you have a small, medium, or large business, getting the right kind of insurance that covers every kind of situation will save you a lot of money in the long run.

You need protection against things like a potential lawsuit from an employee, theft and robbery from your premises, or even something simple like faulty gas scrubbers that require an immediate replacement.

Here are 5 essential commercial insurance tips:

Go with a broker

One of the best ways to find the exact kind of commercial insurance that matches your specifications is to go with an experienced broker.

The reason? Because they will be able to “mix and match” your policy from different insurance companies, so you end up with a unique policy that gives your business the most amount of protection possible.

Shop around

Luckily, there are many brokers out there, which means it’s always a good idea to shop around and speak with a few so you have some bargaining power when it comes to negotiating your monthly premiums.

While you don’t always want to go with the cheapest quote, it doesn’t make any sense to pay outrageous prices when you don’t have to.

Check the policy

Before signing on the dotted line with your new commercial insurance policy always check the small print and terms and conditions. In fact, get a lawyer to do this for you, as they will be able to interpret a lot of the jargon that is often associated with these kind of policies.

Don’t skip this important step, because if something isn’t right with your policy then you might not have full coverage which could leave your business vulnerable.

Make sure you comply

There are many cases where a commercial insurance policy became invalid due to oversights made by the business owner, and this ultimately led to not being able to claim when something happened.

As an example, a policy might state that a certain alarm system must be used on your premises, while 2 security guards must be on site at all times. If this is not followed by yourself, then if something does happen you won’t be covered, so make sure you always comply.

Report incidents immediately

In order to give yourself the best possible chance of success when claiming on your commercial insurance policy, it’s essential that you report any incidents immediately. The longer you leave it, the more chance your claim will be denied, so understand that time is of the essence.

Five Ways You Can Save Money This Christmas

piggy bank and girlIt happens ever year at Christmas. You spend way too much money and then put yourself in a bad financial position for the following year. Wouldn’t it be nice if your bank account was in the green in January? Well, it’s not really that hard to achieve this, especially if you follow the five tips below.

Start shopping in July

For most people, doing Christmas shopping in July seems like madness, but for smart people it’s an excellent way to save money. The reason? Because you can do your shopping slowly, picking up one or two items every week so you spread out the cost over the months leading up to Christmas.

Buy Christmas bags in bulk

Do you ever find yourself paying a huge amount just for one Christmas bag? Never do this again by purchasing Christmas bags in bulk so you always have a supply and also save a lot of money.

Make a list

Before you even think about hitting the shops or going online to buy items, it’s a good idea to make a big list of everybody you need to buy presents for and all of the other things that are essential for a good Christmas. You should then consider setting a budget for how much you can comfortably afford to spend for each item, and once this is set make sure you stick to it and don’t overspend.

Look out for offers

One of the easiest ways to save money this Christmas is by looking out for offers from your favorite stores. As an example, Amazon often run a special offer where you get free shipping on orders over a certain amount, which allows you to save quite a bit of money if you are ordering a lot of items.

You can also find cashback offers from certain stores, as well as discounts that are over 50% off. The key is to always be checking different websites to see what offers are coming up and then plan your shopping accordingly.

Create gifts

A popular trend over the last few years is to create gifts rather than buy them. Not only does this add a personalized touch, but it also stands out and shows that you have put some effort into a gift. You could try checking out a site like Pinterest for homemade Christmas gift ideas, or just simply get out your knitting equipment and start making things like jumpers and socks.

Learn How to Buy Properties for Profit

chalk boardDo you want an extra income that will help you live more comfortably, or perhaps you want to quit your job and start working for yourself? In both of these situations buying properties for profit is the perfect solution, mainly because it gives you the opportunity to start having your money work for you, rather than the other way round.

No matter if you are interested in flipping houses, renting out apartments, or renovating run down buildings…it’s important that you take the time to educated yourself about the process so you are in a better position to start making money as soon as possible.

Here are some of the best ways to learn:

Follow experts

What better way to learn than listening to people who have already achieved what you want to achieve. People like Than Merrill for example, have many years of experience and are willing to teach complete beginners how to start buying properties for profit.

You can even read biographies about these kind of experts, which allows you insights into their life so you are able to see exactly how they went from nothing to millionaire real estate investors.

Read books

Another way to learn the craft of buying and selling properties for profit is to read as many books as you can find on the subject.

Visit your local library to see what is available, or explore the Kindle marketplace on Amazon where you can instantly download digital real estate books onto your device for reading Kindle books. Make no mistake about it, a well read investor is a profitable investor.

Listen to podcasts

In recent years, podcasts have become extremely popular in the property buying world, as many experts and gurus have been interviewed about how they built their empire.

The great thing about podcasts is that you can listen to them at your convenience, so for example, when you are driving a car, working out at the gym, or cleaning the house. In no time at all you will be learning the insider secrets of earning millions of dollars on the property market.

Start small

Of course, you could read all of the books in the world and listen to podcasts for 12 hours a day, but if you never take any action then it’s all for nothing. The best way to get started without risking everything is to start small and take things at your own pace.

Maybe you can buy a small property on the edge of town, or get together with other investors to do a group buy. There are many different ways to get started in this exciting world of investing so you are able to begin your real education.

6 Ways to Half Your Car Costs

car lightIt seems like fuel prices are always on the rise, while other necessary car costs such as tax and insurance remain ridiculously high. Because of this, drivers are always on the lookout for ways to reduce their car costs, especially if they are struggling financially.

What if we told you it was possible to half your car costs in the next few months…would you believe us? If not, then sit back and we’ll prove it to you below.

Switch insurance companies

One of the easiest ways to cut your car costs almost instantly is to switch insurance companies. All you need to do is go to a comparison website and enter your details, and in no time at all you will have multiple offers, all from companies vying for your custom with cheap deals.

Take an advanced driver course

Did you know that by taking an advanced driving course you qualify for cheaper car insurance? That is because insurance companies will see you as a safer and more experienced driver than other road users, which means they reward you with cheaper deals.

Save on car accessories

When you’re in the market for car accessories such as trailers or roof racks then make sure you save money by shopping online. This is possible because online retailers have lower overheads than traditional car shops, which means they are only too happy to pass the savings on to you.

Buy second hand cars

It’s common knowledge that brand new cars instantly lose a significant portion of their value as soon as you drive them out of the dealership, so why do people keep buying them? When you’re looking to buy a new car don’t go for “brand new,” as this is just throwing money away. Instead, look in the second hand market to find some really great deals so you can save cash and reduce your car costs.

Do your own maintenance

Why pay an expensive garage to fix problems with your car, when in the vast majority of situations you can simply do it yourself or get a friend to take care of the problem? There are many good sites that take your step by step through the basics of car maintenance, and as long as you are willing to put in a couple of hours at the weekend then there is no reason you can’t do most of it yourself.

Get rid of your car completely

Why half your car costs when you could just get rid of them completely? Many people are now ditching the car to use public transportation or ride a bicycle. Maybe you could do the same? The choice is yours.

The Best Study Tips for Online University Students

studyRevolution is in the air. All over America, people are ditching those over hyped and overpriced traditional universities in favor of the cheaper and more flexible Online University where anybody with a bit of ambition can change their life and become more successful.

If you’ve recently enrolled in your first online university course, then you are no doubt looking for a few tips to help you study? Below, we share with you everything you need to know.

Have a study area

The easiest way to be most productive when studying and working towards an online degree is to have a dedicated study area. This should be a place with no distractions such as people talking or television, where you can focus 100% on what needs to be done.

Give yourself plenty of time

A recent survey showed that 79% of students leave important work right until the last minute, often having to work through the night in order to finish. Don’t let this happen to you. Instead, give yourself plenty of time with each assignment, aiming to finish everything a few days before it has to be handed in.

Focus on the most important tasks

It’s easy to get caught up with “busy” work and small tasks that don’t really make a difference to your grades. That is why focusing on the most important tasks first is essential, so you can spend your energy on things that matter in order to be an ultra productive student.

The best way to achieve this is by writing down every night the 3 most important tasks you can do the next day, and then don’t work on anything else until those 3 tasks are completed.

Ask for help

Just because you are an online university student who is working from home, that doesn’t mean you shouldn’t receive any help if you get a bit stuck in your studies or require some general guidance.

Any decent online university will have a team of support staff online to answer your questions and give you the answers that will help you move forward.

Take a break

Research has shown that taking a 10 minute break for every 50 minutes of work is the best way to be productive. Don’t make the mistake of trying to work non-stop for hours on end, as this only serves to make you tired and more prone to forget what you are learning.

A short break helps to refresh the mind so when you go back to your work you are eager to get going at 100% once again.

5 Tips for Buying Products for Your Home on the Internet

hotelNo matter if you want to buy some scatter cushions for your couch or a gazebo for your garden, you can pretty much find everything on the internet. Best of the all, the prices are often significantly lower than the high street, which means you save yourself a lot of money in the process.

Here are 5 tips to help you buy products on the internet in the right way. Enjoy!

Understand the return policy

A disadvantage of buying products on the internet is you can’t physically see the product before clicking on the buy button.

Sometimes, this leads to you getting it wrong, and when this happens the only option is to send it back for a refund. That’s why it’s important to fully understand the return policy before making a purchase. Typically, a 30 day policy is standard, as it gives you enough time to evaluate the product and then send it back if required.

Check reviews

Still not sure what make and model is the best buy? In this type of scenario checking reviews from previous customers is a great way to help make up your mind, as they can give you insider information about aspects of the products you might not have thought about, which ultimately makes the purchasing decision easier.

Check customer reviews on the retail site itself, or do a search in Google for “product name + review” to see what independent sites have to say.

Shipping costs

Some sites advertise a really low price to draw you in, but then this price quickly goes up once you get to the checkout page. Why is this you might be wondering? Well, it’s the shipping costs of course. This becomes more apparent when you are buying larger items such as appliances or furniture, as the cost of packaging and delivering these items is not cheap.

The good news is that many sites are now offering free shipping if you spend over a certain amount, which gives you an incentive to do all of your shopping in one go.

Click and collect

Many of the retail stores that made their name on the high street are now starting to turn their attention online, and this is good news for you, the consumer.

The reason? Because a lot of these stores now offer a “click and collect” service, where you are able to shop on the website and order an item, and then go to the store in your town or city and pick it up. This saves you money as there are no shipping costs involved.

Compare price

Perhaps the biggest advantage of buying products for your home on the internet is the ability to compare prices and then choose the best deal.

At any one time the same product might be for sale on 20 different websites, although the prices are usually very different. The best way to find the cheapest price is to use a comparison website that automatically checks each website and the delivers all the information back to you. Quick and easy.

6 Tips for Buying an Engagement Ring

engagement ringIf you are reading this article then you’re probably about to embark on a very important event in your life…asking your girlfriend to marry you. This is definitely a nerve wracking time, especially if she ends up saying no.

However, it’s highly unlikely that is going to happen if you have a good relationship and want to take things to the next level, and this means you can move forward and start looking for an engagement ring.

The only problem is that you’ve never purchased an engagement ring before and don’t have the first clue about where to start or what to look for.

Here are 6 tips for buying an engagement ring:

Choose a diamond

There are a few different gemstones you can have in an engagement ring, but diamonds are by far the most popular, mainly because they look the best. Choose a diamond and you can’t go wrong.

Go with a round shape

It’s possible to have the diamond cut into all kinds of shapes, although a recent survey found that 80% of all diamonds in engagement rings are round. This makes the choice easy for you…just go with a round shape.

Platinum is good for the ring

So what kind of material should the actual ring be produced from? There are a few different choices, such as gold and silver. Ultimately though, the most popular choice is platinum, which should be more than good enough for your future fiancée

Put it in a gift box

If you want to present the ring to your girlfriend in a bit of style, then consider putting it in a high quality gift box.

Now you’re probably wondering where to buy gift boxes and where to find the cheapest prices? Don’t worry, there are many online stores that sell gift boxes or they might even sell them at the jewelery store where you buy the ring.

Don’t go over budget

At the end of the day, it’s not worth going over budget, or even worse, getting yourself in debt to buy an engagement ring. Sure, you want to get something nice for your girlfriend, but in the end it is just a ring, and there really isn’t much difference between spending $1000 or $10,000.

Just do it

Once you’ve purchased the ring then it’s normal to start having doubts about the whole thing, even to the point where consider not asking your girlfriend to marry you. Try and put all of these to the back of your mind and “just do it.”

How to Buy Movie and TV Memorabilia on eBay

ebay guysFor people that have a passion for movie and TV memorabilia, the auction site eBay is the place to be. Here you can find just about everything, from an autographed picture by a leading movie star, to a prop that was on the set of a famous TV show. Never has adding items to your collection been so easy and so much fun.

Not everybody has used eBay before though, and if this includes you then it’s handy to find out a few tips and pointers to help you along the way. Keen to discover more? Read on…

Open an account

The first thing you need to do is open a buyer account with eBay so you are able to start bidding on the items. This is a very straight forward process, and the site only requires a few basic details to get you up and running. It also helps if you have a Paypal account, as this is the main payment processor that sellers on eBay use.

Do a search

Once you’ve got an account set-up then you are ready to start searching for movie and TV memorabilia on the site. Luckily, this is made very easy thanks to the search box, where you can simply type in keywords related to what you are looking for. As an example, if you want to locate signed movie scripts being sold on the site, then type in “signed movie scripts” to see what is available.

Read the listing

Every item being sold on eBay comes with a listing where the seller provides you with more information about the item. It’s important that you read the listing carefully so you know exactly what is on offer. If something is not clear or you just want more details then you can contact the seller directly.

Check feedback

One of the main advantages of using eBay to buy movie and TV memorabilia is the feedback system they have in place. Quite simply, each seller has feedback from people that have purchased from them before, with each rating either being a thumbs up or thumbs down. Needless to say, if a seller has mostly negative feedback then you should probably stay away.

Look at other sites

While eBay is a great place to find all kinds of items it is not the only place on the internet for such things. There are many independent websites such as where you can buy all kinds of movie and TV memorabilia, so make sure you check it out.