Tax advice for the small business owner

4 Reasons Not To Store Your Boat At Home

Posted by on 8:25 am in Uncategorized | Comments Off on 4 Reasons Not To Store Your Boat At Home

If you have a boat, you might be thinking about storing it on your property. However, for many people, looking for a boat storage option can be a better choice. These are a few reasons why you may not want to store your boat at your house. 1. You Could Get in Trouble with Your HOA Do you live in a restricted community with a homeowners association? If so, you may want to check the rules before bringing your boat home and leaving it there. Some homeowners associations have rules against such things, so you could find yourself fined or otherwise in trouble with your HOA. 2. It Could Affect Your Home’s Curb Appeal You might love your boat and the way that it looks, but the people who pass by your home might think that it looks big and bulky and isn’t a good accompaniment to your lawn. Plus, storing your boat on the grass could cause damage to your lawn. 3. It Could Be at Risk of Theft or the Elements Have you thought about whether your boat would be truly safe from theft, vandalism or the elements if stored at home? You won’t be able to keep an eye on it all the time, so it could be stolen or vandalized, or someone could steal a part off of it if you aren’t careful. Also, even though being out in the elements might not hurt the boat too much at first, it could accelerate wear and tear. It could be safer and kept in better condition if stored somewhere that is designed specifically for boat storage. 4. It Might Be Tougher to Use It Unless you have water in close proximity to your house, you could make it tougher for you to use your boat by storing it at home, since you may have to hook it up to your truck and haul it to the ocean or lake every time that you want to put it in the water. If you keep it stored near your preferred body of water, on the other hand, you can make it that much easier for you to get out in the water whenever you’re ready. As you can see, keeping your boat at home might not be the best choice. Instead, consider contacting marinas or other boat storage facilities like Home Port Self Storage that can keep your boat safe and in good condition when you aren’t using...

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What To Expect From Your Auto Insurance Medical Adjuster After An Accident

Posted by on 3:33 pm in Uncategorized | Comments Off on What To Expect From Your Auto Insurance Medical Adjuster After An Accident

After a car accident, the first step is to make a claim with your insurance company. If you were injured, you can expect them to ask about some information about how you were hurt. An insurance medical adjuster may request the following information when working on your claim: Medical Records After you have seen a doctor about your injuries, you will likely be required to send some documentation to the insurance company to help determine what your damages are. In addition to medical records, the adjuster may ask for additional records such as x-rays, lab test results, and other information they deem pertinent to the case. Keep in mind that there is a limit to what the insurance adjuster can request. If you think that the requests for some information are intrusive or unnecessary, you have the right to withhold that information. You will need to ask what the records will be used for with regard to your case. Depending on their answer, you can go ahead and submit the records or decline to submit them because you believe their reasoning to be irrelevant to your case. Detailed Medical Reports The insurance adjuster may also request a medical report, detailing all aspects of your injury. This is a document prepared by your physician that spells out your injury. It can include information that will not be in typical medical records, including your long-term prognosis, estimated time until recovery, and how they believe the injury is related to the accident. You will have to provide permission to the adjuster to have access to the information. You may want to take some time to consider relinquishing this information before making a final decision. You should speak with your doctor about your condition and get a feel for what he or she would include in the report. Also keep in mind that writing these reports are not free; you will likely have to pay a fee in order to get a medical report. If you ultimately believe that submitting a medical report to the insurance adjuster will benefit your case, you can move forward. However, you should insist that the insurer pay for the report. Additional Examinations In some cases, the adjuster will ask for additional medical examinations using a doctor of their choice. This can happen if the adjuster does not believe your injury is consistent with the report provided by your doctor. The adjuster will set up another exam for you to help determine your damages. Keep in mind that you do not have to go through with the exam unless your case lands in court. In that instance, it may not be negotiable. Injury claims are typically fairly straightforward, but it is crucial that you are aware of your rights. Be sure to speak to your attorney to ensure that you are not providing private information to your insurer that is unnecessary for your case. For more information, get in touch with insurance companies like NFP, P & C,...

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The Advantages Of Choosing A Specialized Trucking Insurance Company As An Owner-Operator

Posted by on 12:24 pm in Uncategorized | Comments Off on The Advantages Of Choosing A Specialized Trucking Insurance Company As An Owner-Operator

Working your way away from the big businesses of the trucking industry and taking on the role of an owner-operator is one rewarding way to be your own boss and earn a lucrative income. However, when you take on this new responsibility as the owner of your own small trucking business, it will mean that finding commercial insurance will become your personal obligation. Insurance for your business is available from two very different types of insurers: specialized and non-specialized. There are a handful of advantages to choosing a specialized trucking insurance company as an owner-operator.  You always get familiarity with the industry on every level.  As a business owner, it is vital that your insurer understands your needs to the fullest extent. An insurance company that specializes in coverage for truckers will most likely have this to offer. Insurance agents in a trucker’s insurance company are trained in trucking rules and regulations, US DOT requirements, and various other levels of the industry. You can rely on the fact that agents will be just as knowledgeable about the trucking industry and your needs as an owner-operator as you are. Plus, with agent familiarity, you always have someone who can anticipate your needs and make recommendations about your insurance policy.  You will get timely attention during claim handling.  If you are insured with a regular commercial insurance agency that caters to all types of business, they may not quite understand how important it is for you to get timely attention after an accident. Possibly miles away from home, if your truck is damaged during a run, the longer you have to wait for a claims adjuster and repairs, the more money you lose. Specialized trucking companies make it possible for you to file a claim any time and even often have claims adjusters that work around the clock to take care of you after an accident.  You reap the benefits of flexible insurance products.  Being an owner-operator is a completely different world than working for a big trucking company because there will always be a lot of variables. You may not always be going the same routes, hauling the same product, or even needing the same level of insurance coverage. This is one thing that a specialized trucking insurer knows and anticipates by making it simple to make changes to your policy and knows the coverage options you may need at any given time.  For more information, contact a company like Western Reserve...

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Hosting Your Kid’s First Birthday Party? Make It Special With Party Rentals

Posted by on 2:27 pm in Uncategorized | Comments Off on Hosting Your Kid’s First Birthday Party? Make It Special With Party Rentals

Although you may have put together a birthday party for your child as a baby or toddler, this kind of event is usually low-key, as the most likely guests are family members and close friends. But, as your kid gets older and starts going to elementary school, they will likely make some friends of their own. Once this happens, you have a perfect opportunity to host a birthday party for them to show them a truly special birthday. Using party rentals is an excellent way to get everything you need to accomplish this goal. Inflatable Bouncers If you want to spice up the party and get the kids tired, an inflatable bouncer is the perfect addition. Since bouncers have a limited capacity, you want to get one large enough to fit most kids at the party. It is crucial to set several rules with the kids that you will also want to relay to all parents. Some of the best rules include constant adult supervision, no shoes allowed, and only kids of similar age and size in at one time. Movie Projector Once the kids get worn out from spending time at the party and exercising in the bouncer, you can extend the party into the night by playing a movie. To make it extra enjoyable, you should rent a movie projector that you can use in your backyard or at a public park– wherever you decide to have the party. It is the perfect time for you to relax and spend some time cleaning up the food and trash. Outdoor Speakers To complement the movie projector, you are going to need outdoor speakers. However, these speakers will do a lot more than just provide sound for the movie; you can use them to play music all day. Letting your kid create their own playlist on a music streaming service is a great way to give them some control. Photo Booth If you want to help your kid create a memorable experience with everyone at the party, you should consider renting a photo booth. These booths usually cost a few dollars at the mall, so the kids will enjoy being able to make funny expressions and try out different poses as many times as they want to. Hosting a birthday party for your kid becomes a lot easier when you make use of party rentals. Getting some or all of the items above will ensure you have what it takes to host a fun and memorable party. Contact a company like Area Rent-Alls Equip Rental for more...

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How To Unclog Your Shower Drain With A Hanger

Posted by on 10:57 am in Uncategorized | Comments Off on How To Unclog Your Shower Drain With A Hanger

A clogged shower drain is inconvenient and annoying to say the least, especially if you are in a hurry to get in and out of the shower. However, before you pick up the phone to call the plumber, you may want to try using a hanger to do the job. Using a hanger will certainly save you some money and it is not difficult to use this tool from your closet to clean your shower drain. Here are the supplies you will need to do the job: A metal hanger Needle nose pliers A screwdriver Paper towel Here are the steps you should take to get the drain cleaned: 1. The first thing you need to do is remove the drain cover. You will need to remove it with a screwdriver. Once you have removed it, you should clean it thoroughly to ensure that it is not part of the problem. Drain covers often get hair and soap scum stuck under them which can contribute to clogging in shower drains. 2. Use your needle nose pliers to straighten out the hanger. However, do not straighten out the hook because you are going to need it. Bend the other end of the hanger to form a loop. This will help you to grip the hanger better as you manipulate it in the drain to remove debris. 3. Place the end of the hanger that has the hook into the drain and rotate the hanger gently as you push it down into the drain. Try to remove as much of the gunk out of the shower as you can while being careful not to push anything back down the drain. Gently lift the hanger and wipe off any gunk with a piece of paper towel. 4. It is unlikely that you would have removed all the gunk in the drain the first time. In order to make sure that you have done a thorough job and to ensure that you remove any additional debris, you should place the hook of the hanger into the drain again and rotate it as gently as you did the first time. Once you are satisfied with how much or how little debris you have caught, you can go ahead and remove the hanger and clean it with a paper towel. The amount of debris you catch should help you determine if you need to repeat step 3 again. Unclogging your shower drain with a hanger may take some time depending on how clogged it has gotten, but if you have the time and would like to save some money, cleaning the drain yourself is a good option. Should you need assistance, talk to a professional like Clearwater...

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About The Benefits Of A Live Answering Service

Posted by on 11:30 am in Uncategorized | Comments Off on About The Benefits Of A Live Answering Service

Do you need to downsize the number of employees working for your company and have decided to get rid of the ones working in the call center? You can actually keep enjoying the benefits of a call center without the need for having employees if you opt for contracting with a live answering service to handle the job. This article covers a portion of the benefits that you can enjoy if you get assistance from a live answering service. Calls Will Be Answered to Your Specifications Getting rid of your call center to downsize does not mean that your customers will have to know. When you opt for a live answering service, the customer service representatives will be ordered to answer calls exactly as you please. Each of your customers will be greeted and made aware that they are calling your company. You will also have the option of keeping your same customer service number and simply having the calls routed to the live answering service to make the transition from your having your own call center as smooth as possible. Customer Services Representatives Will Know Your Products Before a live answering service allows their customer service representatives to take calls for your company, each of them will be trained about your products. The representatives will have all of the necessary knowledge about the products to answer questions that your customers might have when they call. You will not have to wait a long time for the representatives to learn about your products, as they will have the information available on their computer screens when each call comes in. For instance, some live answering services have a knowledge base available to the customer service representatives that they can view if additional information is needed to better service your customers. Your Customers Can Call During the Day or Night Although having 24 hour customer service for your customers can be provided via your own call center if you weren’t downsizing, it is an expensive thing to do.  A live answering service gives your customers access to ordering your products at all hours of the day and night, and you don’t have to worry about paying each representative to provide the service as you would for employees. All you will have to do is pay the contract fee when it is due, and all of the services that you need will be provided. Speak to a live answering service about your customer service...

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Important Information For Homeowners That Are New To Using Propane

Posted by on 4:51 pm in Uncategorized | Comments Off on Important Information For Homeowners That Are New To Using Propane

If you have moved into a new home that has appliances or a heating system that use propane, learning more about it is a good idea to remain safe and to get the most out of it. Propane provides warm heat and dependability in appliances for a lot less than electricity and traditional heating oils. Learn more about propane and how you can use it safely while enjoying its money-saving benefits. Propane Is A Cleaner, More Affordable Fuel Also referred to as liquefied petroleum gas, propane is a non-toxic, odorless gas used by many people to heat their homes. Propane is also used in appliances like cooking stoves and clothes dryers. Propane is one of the cleanest fossil fuels in existence, listed in the Clean Air Act of 1990 as a fuel with the lightest hydrocarbon emission. Unlike energy sources like coal, gasoline and traditional heating oils, propane does not have high levels of by-product pollutants when it is burned, a huge benefit for the environment and for your family in the home fueled by propane. Propane is one of the most affordable energy sources as well, making it an even better choice for homeowners. Propane Is One Of The Safest Fuels Available Strict regulations and guidelines surround the use, handling and transporting of propane fuel. The technicians that visit your home to fill propane tanks are trained and must be certified through a Certified Employee Training Program (CETP). Some technicians are trained to educate homeowners about the safe usage of propane as well. When safety guidelines are followed by homeowners, the risk of fire and tank explosions related to propane is extremely low. For example, if the stove in your kitchen burns propane fuel, it will have a pilot light that stay lit when the stove is not in use. The pilot light is responsible for igniting the main burner when you turn on your stove to start dinner. In the event the pilot light goes out, contacting a professional for re-lighting it is best because the average homeowner does not have the proper training. Propane Tanks Can Be Underground If you don’t like the idea of a huge, unsightly propane tank interrupting your home’s landscape, you should know propane tanks can be buried and they have fewer environmental risks underground than others tanks do that contain traditional heating oils. The risk of groundwater contamination in the event of an underground propane tank leak is far less because it evaporates fast, never reaching groundwater sources. Home ownership entails you making decisions that are beneficial to you and your family while helping you to save money. Choosing propane from a company like Sunrise Cooperative Inc as your primary source of propane for needs like heating, cooking and drying laundry is a great way to save money while also making a smaller impact on the...

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3 Tips To Help You Turn A Temp Job Into A Permanent Position

Posted by on 1:43 pm in Uncategorized | Comments Off on 3 Tips To Help You Turn A Temp Job Into A Permanent Position

Turning to an employment agency, like Elite Staffing Partners, for a job is a great way to find temporary positions, but you should realize that this may also be a great way to find a permanent job. If you really need a full-time job and are willing to put forth a lot of effort, you may be able to turn a temporary job position into a permanent one. If this is your goal, here are some tips that may help you accomplish this. Make your goal known When you sign up with an employment staffing company, they will locate jobs that fit your qualifications. When they find one, they will tell you about it to see if you are interested. You are free to take or deny any temp jobs offered to you, but when you find one you really like, you should let the company know that you hope to land a permanent job with them. Telling them your goal will plant a seed with them. If you do a good job and they like your work ethics and abilities, they may keep you in mind. It is more beneficial for a company to permanently hire a temp worker, rather than look for someone else, simply because the temp worker will establish him or herself in the job position. This means less training for the company, and this can amount to better productivity. Get to know your co-workers A second good step to take when you find a job you hope will become permanent is get to know the people you work with. If you establish a good rapport with your co-workers, they may put in a good word for you. As you get to know them, be friendly and helpful, and try to make their jobs easier. Go the extra mile Going the extra mile may also help improve your chances of getting hired permanently while performing a temp job. Going the extra mile may involve working longer hours or picking up extra shifts to help people out. It may also involve performing extra duties when you have spare time. Whatever you can do to benefit the company and its workers could help you get a permanent job with the company. If you need a job and are having trouble finding one, you may want to look into an employment staffing agency. They can help you find temporary work to stay busy, and your temp jobs could be a good step towards finding a permanent, full-time job...

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Struggling In The Competitive Fitness Center Industry? Turn Your Locker And Shower Rooms Into Relaxing Spa-Like Rooms

Posted by on 9:43 am in Uncategorized | Comments Off on Struggling In The Competitive Fitness Center Industry? Turn Your Locker And Shower Rooms Into Relaxing Spa-Like Rooms

Whether you just opened a brand-new fitness center or you have been in the business for a long time, the stiff industry competition means that you need to make sure you take every step you can to keep your clients happy. Happy clients not only stick around longer without changing gyms (even if one opens up a few miles closer to their home), but they also refer friends and family who are looking to get into shape. If you already have an up-to-date facility with great equipment and a friendly, helpful staff, then focus on turning your locker- and shower-rooms into relaxing spa-like rooms that will make your gym the one everyone wants to join by following these tips.  1. Have Your Water Conditioned to Improve Every Client’s Shower Experience Before you begin looking into extras to make your shower and locker rooms more luxurious, make sure you have the basics of a good shower experience in place. While your water supply is deemed suitable by your local health department, that doesn’t mean it necessarily pleases your clients. Hard water with high levels of minerals and chemicals can leave your clients frustrated with their shower experiences; their soap and shampoo may not lather well and they may leave the showers with a film on their skin and lackluster flat hair.  Even worse, if any of your clients suffer from skin conditions, such as eczema, rosacea, psoriasis, or even just acne, they may avoid showering at your gym if the hard water exasperates their skin conditions. While your first thought may be that customers who don’t shower at your facility save you on your water bill, the truth is that they cost you money when they simply cancel their memberships to join gyms with water they can shower in that does not aggravate their skin.  You can easily improve the water throughout your entire facility just by having a point-of-entry water conditioner installed. Not only will a water conditioner improve the shower experience, but it will make water that come out of your fountains taste better. Placing a large sign on the front of your center that advertises that you care enough about your clients to provide them with conditioned water from a company like Olympic Springs Bottled Water can even attract customers from all around your area. 2. Add Aromatherapy to Your Saunas Saunas provide many benefits, and easing sore muscles after an intense workout is only one. Saunas promote relaxation of the mind and body, and they can be even more relaxing when they have integrated aromatherapy features. However, you don’t have to splurge on a sauna that has designated spaces to place scented discs or oils to add a relaxing scent to the sauna room when you can simply mix a few drops of essential oil into a spray bottle of water and occasionally mist the sauna rocks with the solution.  You can even place few small, elegant bottles filled with several scented-oil and water mixtures next to the sauna entrances and allow clients to choose the scent they spray on the rocks before they use the sauna. Make sure to also display instructions on how to use the sprays.  Great aromatherapy scents for a sauna include invigorating eucalyptus that has added muscle-soothing properties, birch oil that...

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New Year’s Resolution To Declutter – How A Storage Unit Can Help

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Does your list of New Year’s resolutions include decluttering your home? Are you questioning what you will do with all of the stuff that is making your home cramped and cluttered? Instead of getting rid of the things taking up space in your home, you have the option to rent a storage unit and move those things into the unit. Below, you will find some times for making this process a little easier. What kind of storage unit do you need? Think about what you will be storing in it. If you will be storing average household goods like knick-knacks, clothing and soft furnishings, a traditional unit will do. If you are planning to store things like musical instruments, wooden or leather furniture, electronics or precious items, a climate-controlled unit would be best. Climate-controlled storage units maintain a steady temperature and moisture level throughout the year. You won’t have to worry about extreme temperatures and moisture warping wood, causing mildew and ruining the things that you want to keep. How do you decide what to move to the unit? As you are completing the New Year’s purge, think about how long it has been since you used each item. When was the last time you looked at, or someone complimented the knick-knacks on your mantel?  The things that you don’t notice, use or enjoy can be removed from the house. Tip: As you go through the clothing in your closet, turn the hangers one direction. If you wear an item, turn that hanger the opposite direction. When the time comes to change out your winter wardrobe for your spring wardrobe, you can eliminate the clothes that are on the hangers that haven’t been flipped around. Tip: If you have kids, you know very well how quickly their mountains of toys can pile up. Keep an eye on what your kids are playing with. Chances are, if you haven’t had to pick it up off of the floor in a while, your child has forgotten about it and it can be removed from the house. Putting the toys in storage for a few months and returning the toys to your kids later will give them a refreshed interest—at this time, you can remove the toys from the house that they haven’t used and continue this process for months or even years before those toys can be sold or tossed out. Start looking around your house now and fill a box every day until New Year’s Eve. By that time, you will be ready to make your first trip to your storage unit (like those at 1st Stop Storage) and eliminating much of the clutter from your...

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