Tuesday, October 23, 2012

Looking at the different types of business insurance

Insurance is something that every business needs as it is important in protecting both your company and yourself, and is also a legal requirement. But there are so many different types of insurance out there that it can be difficult to figure out what you need. Here is a guide to some of the different types of business insurance that are available.

Property insurance

Both the property that your business is on and the contents of the property are protected by this type of insurance. That means that if you own a store, your stock is covered. If your business is an office, your office equipment is covered. Both the physical location and the contents within it are protected against loss or damage.

Business interruption insurance

If the building your company is in was damaged or an essential piece of machinery was stolen, you might have to shut down for a few days. While property insurance will cover the damage, it won't cover the losses you incur as a result of the business being closed. Business interruption insurance will cover this loss in profits.

Comprehensive general liability

This type of business insurance provides coverage for the injury or property damage of other people. For example, if a customer is injured on your property, comprehensive general liability will cover the damages.

Errors and omissions insurance

If you or someone who works for you makes a mistake that causes damage to a client, this type of business insurance will cover the losses. This could be anything from the client being physically harmed to them losing a sum of money due to the error.

Workers compensation

In most states, it is required by law that all business owners who have employees pay for workers compensation. With this type of insurance, you are covered if one of your employees is injured while working. Such business insurance policy will award them compensation, and your employee cannot sue you for damages.

Health insurance

This type of insurance helps pay for the medical expenses of you and your employees. While it is not required that you purchase this type of insurance, it is usually recommended. Not only does it keep you and your employees protected, but it keeps you afloat in a competitive marketplace; many people will not work for a company that does not provide health insurance.

Tuesday, September 25, 2012

Some perks a frequent flyer can take advantage of

There are many ways to rack up frequent flyer points. The best way is to do so doing things you are doing anyways, but for some people, that can take a long time. Here are some ways to accrue frequent flyer points so that you can get cheap flights:
Plan your Flights
Obviously, you can earn miles through flying. However, there may be certain flights that get you more points. Research how your program works and how miles are accrued, and choose cheap flights that will get you the most miles.
Adjust your Budget
Many people only think of certain purchases being appropriate for their credit card - for example large purchases and gas. However, some credit cards will allow you to pay for utility bills or rent, and sometimes you can use it for business expenses and get reimbursed later. If you can keep up with paying the card off and not get into debt, the more you use your card, the more points you will accrue.
Compare Programs
Different frequent flyer programs will require different amounts of miles to get places. For example, Delta might require 100,000 miles to fly to Europe, but Continental Airlines might only require 80,000. However, you also have to keep in mind how easy it is to earn points. If you can get 2 points per dollar spent with Delta, but one point per dollar on Continental, Delta might still be the best bargain. It is necessary to shop around to find out what gets you the most bang for your buck.
Pick the Right Credit Card
Typically, people think of American Express when they hear frequent flyer miles. Although American Express has been known to give the highest amount of miles per dollar that might not always be the case. Also, Visa is more commonly accepted than American Express. If you have trouble using your American Express card, it won't be earning you much. This decision would depend on the area you live in and your particular spending style. Again, comparison-shopping is essential.
Take Advantage of Sign-Up Specials
The quickest way to get a lot of points is to sign up for a card offering a sign-up bonus. You can do this multiple times although your credit rating will be slightly affected with multiple inquiries. If you are disciplined, you can earn enough for a free round trip vacation each year. Make sure you look out for sign-up fees.

Monday, September 24, 2012

About proper ways of wearing hats on thinning hair and hair loss treatment with propecia

There's absolutely no scientific evidence to suggest wearing any type of hat affects your hair loss directly. This is not to say you should wear anything for too long. If your hair is already thinning, it's more likely to fall out of the roots. At this stage, hair is more likely to be pulled out by combing or brushing. Similarly, if you are regularly taking a hat off and then putting it back on, pick a style which is not likely to catch on thinner hair and pull it out. If there's a band or other part of the hat that could catch, keep the hat on for longer, removing it only when you're sure you will not be wearing it again.

Although everyone claiming expertise will tell you genes are genes and, if they start thinning your hair, that's got nothing to do with your hat. But if you chose to wear a hat which is a very tight fit - perhaps fearing it might blow off in a strong wind - this could reduce the circulation of blood through your scalp and damage the follicles. You would always know when this was a risk because wearing the hat would be quite painful. Similarly, if you were to wear a hat made out of a fabric that did not encourage good ventilation, you might sweat more. Experts suspect that excessive sweating may slow down the growth of hair. But this is slightly speculative.

As to appearance, wearing a hat for too long, can make the hair lie flatter against the head. The longer the hair, the more pronounced the flattening and the result can be your hair looking thinner. Experience also suggests you're more likely to find split ends and other damage. In all this, don't forget the problem really lies with your genes and not the hats. Propecia is the ultimate answer no matter what your decision on covering up the problem. So long as you continue to take the Propecia, the hair loss will stop and, in some cases, will regrow. But when you stop, have the hat ready because the hair loss will resume.