Surety Insurance May Give You Peace of Mind

In a world where unforeseen consequences can lead to costly damages and potential lawsuits, managing your risks is an absolute must. When looking for ways to mitigate risk in an investment, such as a car, house, or expensive work of art, people often turn to major insurance companies. In theory, paying a little each month … Continue reading “Surety Insurance May Give You Peace of Mind”

In a world where unforeseen consequences can lead to costly damages and potential lawsuits, managing your risks is an absolute must. When looking for ways to mitigate risk in an investment, such as a car, house, or expensive work of art, people often turn to major insurance companies. In theory, paying a little each month can protect you from sudden financial disaster in the future. While these companies have good intentions, the reality is often much less idyllic. Companies often try to deny claims or take forever to process payments, leaving you stuck with a mountain of debt while you try to keep your investments afloat.

Contract Work

Particularly in contract work, standard liability coverage often leaves much to be desired. When allowing a contractor to work in your home, install an air conditioner, or run new power lines, you are taking a huge leap of faith that the company will behave ethically and do their work up to code. While most reputable companies carry liability, there is simply no way to guarantee that their coverage will provide you with the compensation you need when their mistakes cost you thousands of dollars in damages. To mitigate this risk, surety insurance has become a preferred means of protecting your investment. This type of protection, often called surety bonds, offers a unique method of controlling the way funds are distributed in the event of a disaster. Rather than spreading settlement payout across a myriad of clients, surety insurance is a three-way agreement between a customer, a contractor, and their bondsman. With stricter guidelines and a clear understanding of responsibility, these bonds allow payment to be treated like a bank loan rather than a sudden cash windfall. By cutting out the major corporations, homeowners are able to hold contractors accountable and seek damages as soon as they know shoddy work has been performed rather than after catastrophe has struck.

Public Works

Surety insurance is also beneficial in the case of public works. When building a park, statue, or other municipal attraction, city and town governments rely on one major overseer to manage a large number of subcontractors. Often this primary job lead is the only point of contact for the various electricians, sculptors, and carpenters working on the job site every day. While this manager hires out the work and can make agreements for compensation on his own, he will not be the one receiving complaints should any subcontractors not receive their due. Dissatisfied workers will climb as far up the food chain as they can and head right for the biggest wallet. Liability protection held by a contractor won’t save the city in this instance; only a qualified bond will do the trick. The township can activate their agreement and settle payment directly with the workers without any scandal or lawyers whatsoever.

Whether you are building an addition to your home or rebuilding the town square, make the right decision and cover yourself with surety insurance.

10 Amazing Reasons To Eat Insects

1. Nutrition & Health

One of the most convincing arguments why you should consider eating insects, is from a health point of view. Insects generally are very high in protein, beneficial fats, vitamins, minerals and all essential amino acids.

Vitamin B12 for example is not available from plant sources, and many vegetarians and vegans are deficient in this. Insects are a great source of Vitamin B12. Nuts and pulses, though very healthy in other nutrients, lack this essential vitamin.

The combination of un- saturated omega- 3 and omega- 6 fatty acids is also high and comparable to that found in fish, which is higher than in pork and cattle.

As most insects are eaten whole, unlike conventional meat, the entire exoskeleton, muscle tissues and vital organs are consumed. This is part of the reason for the high micro- nutritional value of insects.

2. Less land requirements

Farming insects requires less land than farming traditional livestock. In fact, insects even like to be confined to small spaces, which can be seen in the way the cluster into certain patterns. Furthermore they can be stacked vertically unlike bigger animals.

If you compare the weight of protein produced with other livestock, insects require 2 to 10 times less space. Traditional livestock is presently occupying two thirds of the worlds’ land masses, and are the cause of some of our biggest environmental challenges. Climate change, over- fishing, pollution caused by fertilizing as well as pesticide use, are all reasons why the environment is being maxed out and something needs to change.

3. Less CO2 and ammonia emissions

Insects produce significantly less CO2 and ammonia emissions than cattle, pork and chicken. The reason for this is the much shorter lifespan of insects, which means less resources are required. In the case of crickets, they are fully grown at about 8 weeks. Compare that with cows, which are considered adults at about 2 years of age.

4. Quicker protein conversion

Insects are furthermore cold- blooded, meaning increased efficiency at converting food into protein. To produce the same amount of protein, crickets need 12 times less food than cattle, and only half the amount than pork and chicken.

5. Less feed and water requirements

Insects require less feed than other livestock, and about 80% of a cricket is digestible. This is most likely due to the fact that insects are cold- blooded and therefore don’t need food to stay warm. Insects also require significantly less water compared to cattle, pork and chicken.

6. Insects can live off organic waste products

Because insects are easy to please gastronomically, they can live off organic side streams like manure and compost. This in turn decreases environmental impact and adds value to waste products.

Insects could be fed biowaste, and in turn processed and fed to larger animals, which again could be sold to the consumer. Insects such as the black soldier fly, the common housefly and the yellow mealworm, are extremely efficient at converting organic waste, and estimations say that they could convert 1.3 billion tonnes of biowaste per year. Unfortunately this process is not yet allowed due to present and outdated food & feed legislation.

7. Ethical considerations

Insects are further down the food chain than other livestock, and don’t have many animal welfare issues associated with them. This could potentially be an argument for vegans and vegetarians to consume them, especially as they are high in Vitamin B12, which is not obtainable from plants.

8. Small risk of zoonotic infections

Diseases like foot and mouth disease, H5N1, avian influenza and bovine spongiform are less likely to be transmitted from insects to humans, because insects taxonomically are much more different than bigger animals. In recent years we have seen a rapid increase in these infections, likely caused by climate change as well as the intensification of animal production. However, more research is needed in this area.

9. Rearing insects is easy and cost- efficient

Farming insects is easy to learn and doesn’t require a lot of training or resources. Because the life- span of an insect is much shorter than traditional livestock, coupled with the fact that insects reproduce extremely quickly, this also results in quicker economical benefits.

10. No use of antibiotics, pesticides, GMO or hormones

Insects do not require antibiotics, the use of which especially in the poultry industry has led to a lot of debate. Excessive use of antibiotics can lead to bacteria, which become resistant, and in turn become a worrying danger to humans.

The use of pesticides is also not necessary, which logically is better for the environment and human health, as well as being more economical.

The same can be said for GMO and artificial hormones, all of which become superfluous when farming insects.

6 Tips on Choosing the RIght Credit Repair Company

Imagine waking up every morning without the burden of financial hardship or a poor credit situation.

As you sip on your morning coffee, you’d be relaxed knowing that if you were faced with an emergency, you could get your hands on the money you needed.

Trouble is, according to CNN Money 76% of Americans life paycheck to paycheck – which is why having a credit history is so critically important.

If you have decided to repair your credit rating, you’ve made a wise decision.

Bear in mind, it will take a bit of time and persistence to get yourself back on track – however the peace of mind you’ll gain will be well worth the effort.

Here are a few tips to get you started:

1. Find a Reputable Credit Counselor to Help You:

Credit repair can be a complicated process. Professional counselors can give you the advice you need, and help you create a repair plan that is best suited for your unique situation. Look for companies that provide a money back warranty, full customer support, as well as 24/7 online access to a portal that tracks your credit repair process.

2. Avoid Companies That Use Templates and Form Letters:

Credit bureaus receive hundred if not thousands of dispute letters every day. To manage this volume, they rely on an automated letter sorter that earmarks form letters and marks them with a lower priority. Select a company willing to customize your letter so you get faster, more efficient results.

3. Start Building a Good History of New Credit Accounts:

An effective strategy to boost your credit score is to open new lines of credit. New credit accounts will impact your credit score by as much as 30%. It’s best to select a company with a close connection to creditors. That way it will be easier for you to gain approval for new credit accounts even if you have a low credit score or poor credit history.

4. Become Knowledgeable About the Way Credit Works:

Credit repair can be a long and tedious process. It’s best to deal with a company who is willing to explain and educate you about the credit process. The more knowledge you have the easier it will be to avoid the same credit pitfalls in the future. Select credit repair companies with a high rate of success: Far too many credit repair companies simply send out form letters and take your money.

5. Ask For a Professional Contract:

Legitimate credit repair companies will provide you with an agreement or contract.
Be sure that your contract covers all of the information that you have been told verbally. Take the time to read all of the fine print, and don’t move forward unless the terms of the agreement are clearly stated in writing. When interviewing companies remember to ask them about their “deletion rate.” The deletion rate is the percentage of negative accounts that are typically removed from a client’s profile. It will give you a good idea as to how effective their methods are.

6. Make sure electronic payments are available to track your investment:

Never pay with cash or deposit service fees into an account. Professional companies create a paper trail. They will accept credit cards or online payments that can be verified after the fact. You don’t necessarily have to meet face to face because most credit repair companies are set up to handle business virtually, but make sure that the company you deal with doesn’t ask you for unusual requests.

In a nutshell, there are several credit repair companies to choose from, some are good, some are not. It’s always in your best interest to review their credentials and verify their success.

How to Avoid Expensive Auto Repairs

If you do not take good care of your car, you are very likely going to incur great costs when you head to the auto repair shop for repairs, replacement and other maintenance needs. Your car is an important part of your life, and you should strive to ensure that you do everything possible to keep it in good shape, and in doing so, avoid expensive auto repairs. Here is what you should do:

Follow the maintenance schedule as outlined in the owner’s manual.

The manufacturer of your car includes a maintenance schedule that is to direct you on how and when to touch up your car for maintenance purposes. This schedule is your best guide as it comes from someone who understands the car properly, and all its components and the needs of every one of them.

Fix problems soon enough

Pay attention to your car so that you can detect when something is amiss. And if at all you detect something wrong, get it checked out immediately. If you allow little problems to exist without getting fixed, they will escalate into something much bigger that will not only be expensive to fix but dangerous to your safety as well.

Change fluids, filters and spark plugs as recommended by the manufacturer

You might think you are saving some money by not changing these as recommended, but waiting longer than the time the manufacturer has stipulated only serves to damage your vehicle. So that in the long run you end up spending more money in getting your car repaired.

Inflate tires properly

Tires that contain too little air or too much of it are dangerous not just to your car, but your safety as well. This is because such tires are prone to excessive wear and tear which can result into a blow-out.

Synthetic oil

Consider upgrading your motor oil to a high-performance synthetic oil which will not only prevent certain problems associated with common motor oil, but improve your car’s performance as well.

Unusual noises

Unusual noises on your car might be an indication that something is wrong, and for this reason you should check the owner’s manual to ascertain what is usual and what is unusual. If the unusual noises persist, take your car to an auto repair shop where the repair professionals can check to see what is amiss.

Drive carefully

Avoid expensive auto repairs by driving your car carefully, so that you can minimize the chances of wrecking your vehicle, which would definitely necessitate extensive repairs. If someone borrows your car, make sure they are careful drivers and remind them to handle your vehicle well. This is especially important if you are lending your car to someone who has just started to drive.

Know what you can handle and what you cannot

If your car needs some repairs, do them only if you are sure you can adequately deal with them. Otherwise, let the auto repair shop deal with auto repair problems that are beyond your scope. Tinkering with your car when you are not sure about what needs to be done is only going to worsen the problem, and lead to expensive auto repairs.

Creativity Can Create an Income – Crafting From Home

Often times creative people need an outlet for their goods. Thinking of starting an online shop on your own might seem overwhelming. If you break down everything into baby steps, opening your own store is actually not as difficult as you might think.

If you are like many creative people, your brain is always full of ideas. In order to create a business, you need to hone in on your niche. What do you love to create? Is it an item that would sell? Can you make enough money justifying the time involved in creating this item? These are all questions you will need to invest time and thought on answering. Do your research and investigate sources such as Etsy to see how saturated that market is, how well the items are selling, and if the going price works for you.

Once you have determined your product line, it is time to create your brand. Play around with names, logos and colors. You want your brand to represent you as well as a brand that is easily recognizable.

The next step, one of the most fun steps, is very important. Search for tips online. Practice, practice, practice. Try different angles, locations, and lighting, until you have a beautiful photo.

Decide if you want to sell on a multi seller platform such as Etsy, or a stand alone site. As a beginner, someplace like Etsy is a great place to start selling your craft. If you choose to go with Etsy, dig in and start a shop. Within a few hours, you can have your shop up and running. Should you choose to start a stand alone store, you will need to research the best options for your shop.

Once you have your products listed for sale, your job will be to drive traffic to the site. This is where the dedication comes in play. In order for your shop to succeed, you will have to put in the time getting your product seen. Facebook, blogs, Instagram and Twitter are all great outlets. If you set aside a certain amount of time daily to promote your goods, you will soon see the rewards. While working from home, distractions can happen easily. Your focus and diligence will be the determining factor in whether or not your products begin to sell. So, if you are still interested in opening a shop of your own, what are you waiting for? Go forth and sell!