Comprehension in regards to insurance for any small business is often perceived by owners as imperceptible and overpowering. With so many reservations as to what is really vital or what can be eliminated, it is critical that a business owner can trust their insurance agent in providing the appropriate coverage needed.
Regardless of what small business you are in, you should always have:
• Liability insurance
• Property insurance
• Workers compensation insurance.
We keep seeing TV programs and new books about improving our lives but it doesn’t always have to involve yoga, fruit salads and a trip to the Himalayas.
Sometimes the simpler things in life can help you enjoy a better life, and we can’t forget to take into account the importance of the car we drive. The difference between having a great, trouble free car and one which is the opposite of this is huge. More and more people are moving to contract hire solutions, so let’s take a look to see if one of these could improve your life.
Well, this is the end of the Canadian penny. The mint in Winnipeg made its last pennies just a few weeks ago and soon the penny will be out of circulation. Since the cost of making the penny was greater than the penny’s actual value, the Canadian government decided to be rid of the penny once and for all. And Canada isn’t unique in doing so. Apparently other countries such as Australia have already done away with theirs.
Life will definitely be different without the penny. What will happen to the saying “A penny saved is a penny earned.”? And how will our children learn how to make proper change without the penny? I guess we will all just have to adjust to this change, just like any other change.
If your business involves giving advice and using professional skills to aid your clients, then you might need professional liability coverage to protect you should your client claim that you have made a mistake in your advice or been negligent in your work and your client has suffered losses as a result.
Mistakes do happen, however careful you are, and sometimes clients can just look for someone to blame if things go wrong for them. If a client has lost money and thinks they can get it back by blaming someone else (i.e. you) then you may be faced with a claim for compensation through the courts.
Do you think you could live without money for a day, a week, or even a month??? Most of us would probably be able to handle it for a day, and perhaps for even a week, but definitely not any longer than that.
There is an incredible German woman by the name of Heidemarie Schwermer who actually has pulled off living money-free now for sixteen years, and she says she is very happy. She had previously lived a “normal” life, but after her two daughters had grown up, she decided to give all but a few of her possessions away and live without money.
It first started out as an experiment for her back in 1996. She thought she would try to live without money for one year as she was sick and tired of living within a greedy consumer society. She traded her skills of gardening, cleaning and doing therapy sessions in exchange for food and shelter. Talk about gutsy!
Not too many people that I know would be so bold as to take such a big leap of faith. But this German grandmother truly is unique.
To share her experiences with others, Schwermer has written three books, and a documentary film entitled Living Without Money is available on DVD.
To learn more about this amazing grandmother, check out this Yahoo! article entitled German Grandmother Lives Money-free and Has Never Been Happier and watch the short video clip.
She truly is an inspiration. Although most of us won’t be able to imitate her lifestyle, at least we can get a little insight into what truly matters in this world. What Schwermer really wants is “to help people reflect on their way of life and their relation with others.” And she says that for her, “giving up money gave me quality of life, inner wealth and freedom.”