Your small business is affected by several aspects of your personal life. For example, your credit history, personal finances and experience have probably had some sort of impact on when or how you opened your business. Have you ever taken the time to consider how your health and physical fitness could affect your business? [Read more…]
You have probably seen motivational posters that remind you how success is more of a journey than a destination. That is good advice. A business is a dynamic entity and must adapt with the times in order to remain competitive. [Read more…]
If you intend to get involved in the business of plumbing, consider getting plumbers’ insurance. This specialist insurance protection is deemed a necessity for plumbers. Whether you engage in the plumbing business as a self-employed service provider or as a company with a number of employees, it’s important to pay attention to the need for insurance.
Insurance policies provide the necessary coverage that will reassure customers and allow plumbing service provider to be confident in doing what they need to do in the best ways they can without having to be excessively cautious. There’s nothing wrong with being cautious but it’s not productive having too much of it for fear of causing problems that could aggravate into severe troubles.
Plumbers’ Insurance Coverage
There are two major coverages for plumbers’ insurance. These are public liability and employers’ liability.
The public liability insurance is not a legal requirement but it is something still worth getting. This coverage is intended for financial liabilities that are incurred as a consequence of the service provided. For example, if the pipe installation you have just completed leaks a few days later and the leak causes damage to property, the insurance will be able to pay for the damage. However, it does not work with petty problems and issues involving misrepresentation. For instance, if the rainfall showerhead you claim to be the best shower head fails to impress your customer, you cannot claim for insurance coverage in having the shower head replaced.
The employers’ liability insurance, on the other hand, is a legally required coverage. It is required under the Employers Liability Act 1969 under the provisions for business owners who have at least one employee. If you are thinking of starting a business and hiring employees, it is very important to take this into account. What this insurance covers are the expenses associated in the treatment of employees who have been injured in the performance of their work or as a result of the work they do. This insurance coverage, however, does not supplant the responsibility of employers to ensure the health and safety of their employees.
If your are still starting your business, with only you yourself as your own employee, it is advisable to get public liability insurance coverage even if it is not required by law. This way, you can reassure your prospective clients while making sure that you will not be putting your finances and business venture in jeopardy in case anything untoward happens.
It’s also worth noting that a plumbers’ business insurance can also cover the tools used in the trade, both hand and power tools. If you have insurance, you will be able to more easily get a replacement for your essential tools. The insurance, however, will not cover supplies. So if you are going to install shower heads, for example, be sure that you only get quality items. Check out shower head reviews like these showerhead reviews on one leading kitchen and bathroom review blog.
When running a business, we are usually focused on how we can make it big and let money flow. Sometimes, we forget that there are real people to whom we owe the success of our business. These are people who work for us. Without these employees, we won’t be able to keep our businesses afloat. This is why, as an employer, you also have to pay a special attention to the needs of your employees. When you have problems running your business, they might be facing even tougher problems in life.
- Always greet them at work. Whether you come to the office always or not, you have to make sure that you bring something positive when you do. Avoid frowning or complaining each time you see them. Make sure that when they see you, they will be inspired to work. This might be a small thing, but it actually works wonders. Some employees need praises and commendations every once in a while. This will help them to keep pushing forward.
- Take time to talk to them personally. At work, everything is about making the tasks done. No one really talks about personal lives. In fact, some business owners ban their employees from talking about personal matters at work. Though it is effective in making things done, it harms the emotional growth of your employees. You might not know, but some of them are going through a hard time in life. You need to sit down with them just to catch up. Offer them company resources like legal help from this website. You don’t have to do it always. You just need to be there to listen to them and their personal stories. This helps a lot already even if you don’t give the best advice possible.
- Leave notes of appreciation. If you can’t be there personally to greet your staff, you can at least leave notes that contain positive messages. They will treasure this already. Make sure that you remember important dates in their lives too. If not so many people are working for you, it is easy to remember these special dates. You don’t need to give a huge gift. You can just give something simple or even just a greeting card to let them know that you care.
- Visit them in their houses. If you go out of your way to do this, then it speaks volume about what kind of boss you are. At work, they might not be able to express their problems in life. When you visit them at home, you will see just how problematic they are. You will see their everyday situation. Your presence will make them feel special in a way. It also shows that you genuinely care for them. If you know that they are going through changes in their lives, then being there for them helps a lot.
It is not easy managing a huge business with lots of staff. You don’t need to make a grand gesture just to please everyone. Letting them know that you are there and you appreciate what they do for their company, means a lot to them already.
Starting or growing a small business requires quite a bit of advertising savvy, and lots of hard work. Start-up marketing in particular requires networking and creativity. In fact, the number one trick to expanding your business, especially if you want to grow a business that allows you to work from home, is to create a strong online presence by reaching out to other websites and companies that can help you make a name for your product and to make a name for yourself through attentiveness to the customer.
Take, for example, a recent client based in Montana. This small business specializes in selling telescopes online. Housed in the owner’s basement, it had limped along for several years with a basic website geared toward star gazing buffs, a few online advertising banners, and some basic SEO techniques. However, in the last year, it has experienced a 50 percent increase in business, including an increase in scope sales to astronomy organizations and schools. The business has expanded to its own building and hired another employee.
The reason behind this company’s success is three tips we were able to give them when they came to use looking to expand. First, they networked: They reached out to relevant companies for help promoting their telescopes. For instance, they asked several blogs and other websites that focus on astronomy and astrology to review astronomy products they had manufactured. In addition, to encourage these sites to talk about the telescopes, they provided them with free or discounted scopes and accessories. After using the products to study the moon, comets, stars, and other heavenly bodies, these websites almost universally gave the company’s telescopes high reviews, driving new customers to the business.
Second, the business began intentionally began following up with old customers. Anyone who purchased a telescope was asked to provide their phone number and email address. Every six months, someone from the company would follow up with the customer to see how they were enjoying their purchase and to see if they had any further needs. This technique has netted multiple additional sales as customers choose to fulfill further star gazing needs through a company they already know and trust.
Finally, the business began to place an emphasis on excellent customer service. Every single complaint filed with the company received a phone call or written follow up within the week, and the company began to provide refunds and discounts to customers who were dissatisfied with their telescopes. For instance, one customer who was unable to see the details on the moon that he had expected to see received a 50 percent discount off of his purchase. This practice has drastically increased repeat business as customers come back to a company that shows it values their business.
Any small business can grow its online presence and expand its sales by following these tips. Reaching out to like-minded websites, following up with past customers, and providing excellent customer service allow a small business to make a name for itself, and expand its reputation with a minimum of money spent, regardless of whether it sells telescopes or any other service or product.
If you are seriously looking to start your own business, you will need money-a lot of it. Your most important expense categories are Market Research, Overhead, Equipment, and Inventory, in that order.
Market research is the process of learning about your target group. You may well know plenty about your target group, as in the case of a licensed cosmetologist opening a cosmeceutical boutique. We all have (perceptions and biases, and market research will keep yours from interfering with your business’ success, and your cash flow.
“Overhead” is the cost of doing business. Examples of overhead are renting/buying your workspace, storage area, monthly expenses such as electricity and phone service, salaries of employees, any permits or inspection fees, uniforms and marketing expenses. Some business plans include equipment costs in their overhead expenses.
Equipment is your tools of the trade; what you will use to produce your service or product. Ovens and mixers, laser machines, candle and soap molds and supplies, and printing and engraving machines are examples. If you will be operating a retail storefront, display cases and racks would be your operating equipment.
Inventory is your stock on hand, your supply of whatever you’re selling, or your ingredients to create your product or service, such as tattoo removal supplies.
You will need to decide how much cash you need and how to obtain that cash. This is critical, because as many as 80% of new businesses fail within the first two years, and 50% within 5 years, because of insufficient cash.
In addition to the above expenses, there are other aspects that also need to be included in your business plan. Determine how long it will take your business to become profitable, then double it . If your predictions turn out to be accurate, then you can save the extra for rainy days. There will be unexpected expenses, so invest the excess in a Money Market account where it may grow until you need it.
It may be tempting to buy equipment at cut-rate prices, until it wears out after a year. Go ahead and borrow enough to purchase equipment, overhead, and supplies that will help you to grow and succeed.
Don’t expand your staff until it’s critical.
Once you know how much start-up cash you will need, chances are you will have to borrow it. If you have access to personal start-up money, be prepared to lose it-at least until your business become profitable.
There are the traditional options of borrowing from a bank, borrowing from family, and recruiting investors. The United States Small Business Administration has information on these methods, and the newer, less traditional methods of financing such as microloans, PayPal Working Capital, and cryptocurrency.
Microloans are typically for less than $35,000 and are short-term. In 2009, there were over 1,100 microfinance institutions serving more than 74 million borrowers.
PayPal Working Capital: PayPal will provide loans between $5,000 and $60,000. The approval process for PayPal Working Capital is based on your business plan and your PayPal account history, not your credit rating. PayPal Working Capital currently has more than 152 active accounts, and repayment is based on a fixed percentage of total monthly sales. This is especially beneficial during start-up or slow periods.
Cryptocurrency refers to Bitcoin, Litecoin, and all other digital currency. Digital Currencies have no transfer fees and a much faster transfer rate than cash. Since Bitcoins are steadily gaining acceptance, consider purchasing part of your business startup with Bitcoins or another cryptocurrency, which won’t be subject to the same official regulations as cash.
Doing a small business start up is not an easy thing. Getting a small business off the ground in today’s competitive market is quite a challenge.
In just about any business niche there is serious competition to the small business start up. However there are some niches where the competition is extreme, and any small business which wishes to start up in niche such as this has a serious challenge on its hands.
One niche where there is such extraordinary competition is the finance niche. Some of the biggest companies in America are the banks and finance companies, and therefore any small business which wishes to commence trading offering small value loans will have to be extremely clever getting its business in front of potential customers.
One small finance company is doing this successfully, leveraging the power of the Internet.
This is a small company offering small value loans to people with issues of bad credit. These are small loans such as payday loans and installment loans for bad credit offered to people who would be unable to access traditional finance through avenues such as personal loans or credit cards.
This is usually because the individual concerned has credit score issues, and the low credit score is preventing them from accessing traditional finance. However people such as these can access small value loans such as installment loans for bad credit at http://www.installmentloansguide.com/installment-loans-for-bad-credit/.
This small company has chosen to market its services via an app. For the uninitiated an app is something that you can and to your mobile phone to perform a particular function. These are normally downloaded onto your phone from the Internet.
This company is now marketing it’s services offering installment loans via an app. You can see it here. It’s a relatively small direct lender and has come up with a very innovative marketing method.
This is extremely clever marketing indeed. A small company looking to start up in the financial niche offering small value loans would have enormous competition were they to compete using traditional forms of marketing such as television advertising or radio advertising.
However with clever leveraging of the Internet it’s perfectly possible for a small start up company in the finance niche to compete with the big players who would probably never bother with a small scale tactic such as creating an app for a customer to download onto their phone.
(Of course that doesn’t mean that installment loans and other small value loans are necessarily a good idea. Normally these come at a relatively high cost when calculated as an annual percentage rate and it pays to do some significant research before undertaking any form of loans for bad credit.
However where necessary, it’s a way for people to access the traditional forms of finance with a have absolutely no other options.)
And it’s certainly very interesting to see how one small niche finance company is leveraging the power of the Internet to market its services. It will be interesting to follow the progress of the company and see how effective it’s revolutionary new marketing method is.
As any business owner knows that one of the hardest things to do can often be keeping employees motivated and productive. As the day wears on, people get tired and bored. They start counting down the minutes until it’s time to head out. There are a number of different ways this problem can be remedied, and one of the most simple is with certain foods or snacks. In order to boost productivity in the office, it is important to provide employees with a selection of delicious, healthy, productivity enhancing snacks.
As a business owner, a small investment in the following can yield great returns in office productivity:
The obvious but effective choice: Caffeine
The first up is one that is most likely already present in every office setting around the world: coffee. The caffeine found in coffee is a valuable resource for office workers as it not only provides an extra burst of energy, but it also promotes mental alertness as well as memory. Having a coffee station set up for employees can be especially beneficial in the early mornings, when minds may not be fully awake, and in the middle of the afternoon, when a midday cat nap starts to sound more and more tempting. If you don’t have the space or facilities, organize a ‘cafe on wheels’ service to make a routine stop past your office daily.
Now that your employees are alert and ready to go, provide them with some dark chocolate to munch on as a snack. Not only is it a nice little sweet treat, but dark chocolate is also known for its ability to enhance a person’s focus and concentration. Numerous studies have proven again and again that dark chocolate is highly beneficial for cognitive function. Plus it has a bit of extra caffeine for an added energy boost. Additionally, dark chocolate can be a simple way to lower stress in the office. Studies have shown that reaching for a dark chocolate bar in times of stress really can be helpful and calming.
High nutrient loaded juice
A less obvious choice is a variety of delicious fresh, natural, fruit juices. Fresh juices provide a large amount of nutrients that can improve office productivity in a number of ways. For one thing, many fruit juices are very high in vitamin C, which is vital in keeping your employees healthy and minimizing the amount of work time lost due to illness. And many of them are very high in different antioxidants that support healthy brain function. For even more antioxidant goodness, include fresh berries as well. Berries are a great for a quick snack and the antioxidants found in them promote improved memory as well as good motor coordination. Instead of loading up on packaged juice which may be high in artificial sugars and sweeteners, invest in one of the best juicer machines money can buy, which will provide nutrient loaded, fresh juice to employees for years to come. Reading juicer reviews and comparisons is a great way to ensure you choose a high quality machine.
Yogurt, especially Greek yogurt, and nuts are both packed with protein which make them wonderful in an office setting. The protein helps maintain the high energy levels that the coffee jump-started earlier on. Protein, like the antioxidants in berries and fruit juice and caffeine in coffee and dark chocolate, has been proven to support healthy brain function. In fact, protein is one of the most important nutrients in the development of the brain and in maintaining healthy cognitive function.
Cold filtered water
Adequate hydration is the number one factor in keeping humans happy, health and awake, so allowing cold water to be readily available around the office or work-site is key to boosting productivity levels. Here’s a tip: instead of providing costly bottled water, why not install an appliance that provides cold, fresh water, that is readily available all day? look into a combined water softener/filter which will put this process on autopilot. Again, we recommend reading a few water softener reviews to ensure you choose the right machine for your employees.
Keeping productivity up in the office doesn’t have to be difficult. Just a few nutritious additions the break room can make a world of difference.
Stress is a huge problem for many people. Stress is the state of mental or emotional strain or tension that a person experiences when they encounter adverse or demanding circumstances. A lot of people experience stress which results from different areas of life.
People experience stress everyday from having to support a family, from dealing with co-workers and from trying to keep relationships in tact. People are often stressed out when they drive or when they attend social events or public affairs. Stress is everywhere in life and if a person wants to avoid dealing with a lot of pain and problems that stress will cause to their body; they will have to find ways to get rid of problem. One way that people can get rid of stress is by exercising.
Working out is an excellent way to get rid of stress because it allows a person to relieve this condition in a safe and practical manner. When a person’s body experiences stress their blood pressure rises, their veins and arteries restrict. Their body releases bad hormones into their system that could cause them to feel agitated and angry. Stress can also cause people to feel sad and depressed.
The type of exercises that are best suited for relieving stress includes running, playing basketball, jogging, riding a bike, lifting weights and dancing. People can use these various types of exercise and develop a stress relieving routine to get rid of their tension.
One type of exercise routine that could be used for this purpose is the P90X workout program. This program uses cross-training and dietary supplement plan to get people into shape. People can develop a P90x workout schedule and then use certain elements of this system to get rid of their pent up frustrations.
They can use the pull up bar routine to eliminate the tension out of their neck, shoulders and arms. They can use reps for squatting and dead-lifting to remove stress from every part of their body. Bench pressing, curling and butterfly presses are various exercises that can be used to get rid of stress. Lifting weights is good for relieving stress because it allows people to take out their anger in a productive and healthy manner.
When a stressed person works out they elevate their heart rate and get their blood pumping. This in returns loosens up their veins and allows greater blood flow. It also releases endorphins which help the body to relax and to get rid of the negative and harmful hormones that keep people angry, upset and frustrated. In other words, exercising changes a person’s mood.
People can relieve their anger by hitting a punching bag, by playing soccer or even running around a room screaming their head off. You should only do the latter if you are alone and isolated so that people do not think something is wrong with you. The main thing is to find a physical way to get rid of stress through exercise because if you don’t, your body will experience all kinds of health issues.
Getting pet insurance is not something that everyone may agree on doing. To begin with, there are those who cannot even afford to buy themselves a decent insurance policy. Why would they bother buying one for their pets? However, there are those who are emotionally attached to their pets, and won’t let anything happen to them. If these are your personal pets, then it might be difficult to make a decision. You are torn between your finances and your love for them. However, if we are talking about animals that are used for business purposes, then you have no other choice but to get insurance policies for them. Here are the reasons why:
- You don’t have the assurance that these animals will remain healthy all the time. When they are so important for your business and you can’t afford to lose them, you have to get them treated when they are sick. The cost may really pile up. Therefore, you have to get insurance so you don’t have to pay anything during emergency cases.
- There is insurance that does not just cover the pets themselves, but also those who have fallen victims to these animals. For instance, your dog has bitten someone. Some insurance policies will cover the cost for this kind of injury. If you use the animals for business and they are exposed to many people, then this situation could possibly happen.
Now, if you have decided to buy pet insurance for business use, the next thing that you need to do is to find out how you can avoid spending too much. In doing so, here are some tips that you can follow:
- Go for a group pet insurance policy. This means that you only have to buy one policy, but it can cover the cost for all your pets. By then, you would have to spend less for your monthly or annual premium.
- Check out annual premium packages. Though you will pay more at once, it will still be cheaper rather than paying smaller amounts spread throughout the year.
- Prove that the animals are healthy. Get certification from the vet. Some insurance companies offer cheaper premiums for those who can show proofs that their pets are healthy.
When these animals are used for business, they have to be protected. They are also exposed to several risks. Thus, you want to have them insured so you won’t have to spend much for medical expenses when the time comes. Read more about pet insurance reviews by clicking here.
In our line of work, we have yet to come across a business that couldn’t benefit from our assistance. Aside from providing a fresh pair of eyes, we also use our considerable experience and expertise to help others develop and improve their business, as well as turn their clever ideas into profitable ventures. The business landscape is constantly changing, and we always try to keep up with the latest trends, as it is the only way to gain valuable experience and ideas which we can build upon later. One of the things that has influenced the business world more than anything in the past 20 years is the emergence of the internet. It was definitely a game-changer. In fact, it is absolutely unacceptable for a serious business or company not to be present in some way on the World Wide Web.
The internet is actually a great way for companies to advertise their products or services, because it costs only a fraction of the cost of a TV commercial. Taking advantage of the influence that social media have on people nowadays is imperative for any business. But, what if the nature of your business makes it tough to market?
One of our clients was a registered nurse, who decided to start her own website, you can see it here http://nursesalaryguide.net, her website is all about different nursing careers and salaries, breaking down into lots of details even across all states. But, since it is a business, she needed to figure out a way to make some money off of it too, as well as help others.
Luckily, the part where we said that the internet is a great place to advertise your products and services for only a fraction of the money it would cost you to do the same on TV, is a two-way street. Your website or a blog can become a good way to supplement your income or even turn into a full-time job. We found a similar medical based site dealing only with Medical Assistant salaries check it out here – it provided an insight into how our client could monetize her own website. Strategically placed online ads are often the best way of monetizing a website. There are countless affiliate programs one can sign up for. Granted, it is not an easy thing to do, and it requires a person to be very persistent and self-motivated, because the results wouldn’t be seen right away. Also, presence on social networks needs to be utilized to its full potential.
Ultimately, though, it is about providing informative and useful content that people will actually read. Getting them to the website or a blog is just one part of the equation. Keeping them there and having them come back for more is another, and arguably, more important one. Developing a loyal base of readers is crucial if you want to make money off of anything online, be it a website, a blog, a YouTube, or just about anything you can think of. Providing information from a place of authority, or sharing experience that is real and valuable still has to be done by real humans, and no technology can replicate that.
Our dependence on modern technology is greater than ever. In fact, it is safe to say that it has permeated every pore of our lives. Not even a decade ago, we were perfectly content with having TVs and mobile phones, until we decided that every device we have needs to be “smart”. Okay, so maybe the evolution from a normal cell phone to a Smartphone is not that big of a stretch, but smart TVs are like space shuttles compared to its “non-smart” predecessors. There are other examples such as fridges or washing machines, but TVs and phone are the ones that have caught on the most.
Smart Home Exercise Equipment
While exercising is usually seen as something not related to high-tech, or even quite the opposite, surely enough the fusion has been achieved. We’re talking about the latest in home exercising equipment. Rowing machines, stationary bikes, treadmills and especially elliptical machines, those are all examples where modern technology is used to achieve better results. Gone are the days where you would go to the gym, wait your turn to use certain machines, then come back, spending a lot of time in the process which you could spend more efficiently doing something else. For those who would like to save some time, or those who prefer to work out in the comfort in their own home, elliptical trainers are one of the best and most popular options. In case you are not familiar with modern elliptical machines, visit this website I came across recently – www.ellipticalmachineadvice.com – it offers in-depth information and even detailed reviews of the most popular elliptical trainers on the market. It is a great resource for all you need to get started with an elliptical trainer.
The reason elliptical trainers provide you with the most efficient and versatile workout possible, is the central console unit integrated into most of the models on the market. The unit processes all of the workout data, including the data gathered by the heart rate monitors, and sends them to the LCD panel, where it is displayed. The user can monitor all the crucial aspects of the workout, including the duration, number of calories burned and distance. The goal is to stay within the fat-burning zone, and elliptical trainers make it so much easier to do that. Before, you had no way of knowing if you were doing it right. But, that’s not the only thing that separates elliptical trainers from the rest of the pack. They also come with a number of pre-set workout routines, and you would be hard-pressed to find one that doesn’t fit your needs perfectly, regardless of your age and shape.
So, there you go. Even your workout has been made “smart”. To be fair, you still have to put in a lot of hard work yourself, but modern technology is not just about getting lazy and fat. If there is way we can implement technology to keep us fit and healthy, we should take advantage of it by all means and elliptical trainers are definitely a step in the direction. The devices of the future are going to become smart without a doubt, which is why we have to keep up.
If you are building a trucking business, you have to use the right tools in order to build your business. With the right banks and financing, you are going to be able to expand your trucking business through financing. Due to the fact that you need money to grow, you are going to find that with the right banks, you will be able to build your business, add new trucks, and create a business that is going to grow and will thrive.
Consider going used
When you are buying new trucks, you will need to finance the purchase. But, if you want to be able to buy more, for less, an easy way for you to do so is to buy used trucks. In many cases, the trucks are going to have few miles on them, and are going to drive the same as brand new. These trucks will also require less work, as they have been on the road, and are going to be prepared for the work they will do on the road.
When you finance your business, you will also be able to advertise with larger companies. You are going to be able to work with online advertising companies, in order for you to be able to build your company. You can work to help build through social media, and you can also hire an SEO firm to work with you, in order to build your business with the financing you do.
You are going to have to purchase or rent a business building as well. When you finance your business, you can have more money for warehouses, and for the building in which you are going to do work in. So, you are going to be able to rent the facilities that allow you to do more work, and allow you to build your business over time.
As a business owner, you have find ways for you to build and grow your business over time. So, financing is one of the easiest ways for you to build, grow, and develop your business over time. With the right financing company, you are not going to have to worry about over spending or higher interest rates either. With the right company you are going to be able to grow your business, and you are going to have the funds to purchase, to rent, and to find the equipment that you need in order for your business to grow.
Financing is a simple way for you to build,and it is an easy way for you to purchase the supplies you need, and build your business easily online. With the right advertising, with the right equipment, and when you know where to turn to finance, you are going to find it much easier for you to develop your business. No matter what size it is, or how long you have been working, with more money it is easier to grow and develop the work that you do.
Like a private insurance coverage policy, truck drivers are also required to have the right coverage when they are on the road. Your insurance requirements for an independent truck driver are going to be regulated by the FMCSA (Fed Motor Carrier Safety) for interstate truckers. States also have the authority to regulate the amount of coverage that is required, in order to drive intrastate, when making deliveries, and driving trucks of a certain size.
Primary liability coverage
The minimum coverage required liability coverage which will protect drivers if they are involved in a accident when on the road. Depending on commodities and items being transported, coverage levels range from $750K up to over $5 million in coverage amounts. Trucks under 10,000 pounds also have coverage options which come in at about $300K for lower coverage policy options. The company that you drive for, and a personal liability coverage amount, should be agreed upon and decided upon by the driver and the company they work for.
Physical damage coverage
Although not required by law, lenders do require it when financing a commercial truck for drivers to be able to transport goods, especially if it is out of state that they are driving. Theft, fire, and other perils are covered via this policy type, and the amount of coverage will vary based on your business needs, and based on personal coverage options which are chosen by the driver of the fleet.
The law requires a minimum of $5000 per vehicle, and $10000 per occurrence when selecting a policy to cover the cargo that is being transported in the truck. Drivers and the company that they drive for should determine the requirement, based on weight, items being shipped, and the type of cargo that is on board, each time that the driver is out on the road with the truck.
“Bobtail” insurance is often chosen by certain drivers, although it is not required by law either. This type of coverage is going to be offered in the event drivers are carrying around a trailer or other hitch on the back of the truck, and would like to cover that trailer, as well as the contents that are found in it. This coverage is not required by law, but it is an optional level of coverage to protect certain items which are being transported in this manner.
Each state also has regulations in placed, which will require a certain dollar amount of required coverage to be purchased, based on the type of coverage that is required for a trucker to purchase when they are deciding on the level of coverage to purchase. Because there are federal and state regulations which are in place, it is important to understand these, to know what the requirements are, and to purchase sufficient levels of coverage. Different insurance providers are going to provide varying levels and rates when selecting the coverage, so it is important to compare rates, and compare policy coverage, to ensure you purchase the right coverage when you are on the road.
Summer is here and the old familiar siren song of travel has been making itself heard. Although I live a fairly settled life and am happy where I am in my life, I can’t resist the lure of travel. I have taken many short trips over the last year, but it seems like a longer trip is in order.
I am not talking about a two week trip to a resort, although if it were offered I would certainly not refuse! However, the kind of trip I have in mind is one that lasts about a year and is completely different than any other trip I have taken. Instead of saving up for a short trip, I have decided to start saving up to spend a year in Australia!
Although I actually have enough money and airline miles saved up to make the trip, if I want to be gone more than a couple of weeks I am going to have to start planning now. One great way to be sure I don’t end up in the poorhouse while having this adventure, I am going to have to get a job somewhere while I am there.
Taking an RSA Course
At first the thought of working in another country seemed foolish. After all, what could I possibly do that a thousand other people couldn’t do better? Then I remembered a friend of mine talking about the RSA refresher course he took. I visited http://www.rsacoursesaustralia.com/ and found out that taking an RSA course is actually quite easy!
Of course, I had no idea what the course actually means, so I did some more research. As it turns out, the RSA card is simply a certification you have to receive in order to be allowed to serve alcohol. Some of the jobs that might require an RSA certificate include:
- Serving food and alcohol in a restaurant
- Tending bar
- Working at an hotel where alcohol is served
- Cashiering in a store that sells alcohol
It looks like if I am willing to get the RSA card, I will be able to work in just about any aspect of the hospitality field. Since a large portion of Australia’s money comes from the tourist industry, I can likely find a job just about anywhere!
Working in the Construction Industry
Another possibility for work is in the construction industry. Although I am not particularly skilled in construction, I am strong and I know how to work hard. This is a great asset and even if it means I am stuck doing clean-up or finish work, I can easily make a living at it while I am in Australia.
A white card is one of the primary requirements to work in the construction industry in the Land Down Under. Naturally, I will have to get a white card in Australia. This site provides all the information I needed, and it turns out that it is similar to the RSA card in terms of being a legal necessity in order to perform any work on a construction site.
Since it looks like with a little effort I won’t have a problem finding work, the next step is getting all of the paperwork gathered together to get a work visa so that I can work legally for a year. That is definitely the next step to make my plan a reality!