You own your home, have your own business, and drive a new car. Though you are not rich, you are comfortable. It will be a shame to lose it all if someone sustains injuries by your car or at your home or place of business.
You have insurance you say; you have standard auto liability insurance. The limits are $100,000 for a single person and a total of $300,000 for multiple people. Suppose you are responsible for any accident involving a shuttle taking ten people to the airport. Three hundred thousand dollars allows on average $10,000 per person. That is hardly enough to cover the emergency room fees let alone any surgery, rehabilitation, lost wages and other medical expenses. If there is a fatality, you may consider bankruptcy.
Your business has a small storefront on a busy street. A middle-aged executive comes into your place of business following a rainstorm. Your floor is wet and slippery, and the executive slips and falls. He strikes his head, loses consciousness, and goes into a coma. Your general business liability insurance has the same limit as your auto insurance – $100,000. It may cover part of the hospital bill, but the official says he is permanently disabled and sues you for future wages for $1 million. Since your business is a sole proprietorship, bankruptcy beckons.
Your son invites a friend over for a swim in your pool. He dives into the shallow end strikes his head and suffers traumatic brain injury. Sadly, the damage is permanent — with standard liability limits of $100,000 — well, you know, bankruptcy stares you in the face.
The inexpensive, elegant solution to the problem is umbrella insurance. When a claim exceeds your standard liability insurance limits, your umbrella insurance policy takes over and pays up to your umbrella liability limits. Most people who buy umbrella insurance extend their liability limits to $5 million.
Though you hope never to use it, for a few hundred dollars per year, you can protect your assets, and avoid financial disaster. Umbrella insurance pays when you are responsible for an injury that exceeds your standard liability limits.
Christmas isn’t the same without lights. Strands of sparkling lights can be hazardous, though, if you forget to follow safety tips as you hang, plug in, store and enjoy these holiday essentials.
Buy lights that are safety tested. Lights without an Underwriters Laboratory (UL) tag may be unsafe to plug in and use.
Inspect lights and plug them in before hanging them. This visual assessment exposes fire hazards like cracked, loose or broken bulbs and frayed, chewed or broken cords. It also lets you replace burnt out bulbs and ensure all the bulbs are the same wattage. After repairing any problems, plug in the lights to ensure the bulbs work and the strands work properly.
Separate indoor and outdoor lights. Strands designed for indoor use should not be hung outdoors because their thin insulation is easily damaged when exposed to cold, wet outdoor conditions.
Hang lights with insulated hooks. Staples, tacks or nails can pierce the strands and cause dangerous electrical shorts and increase the fire risk.
Use extension cords properly. Plug no more than three strands of lights into each extension cord, lay rather than coil extension
cords and use only outdoor certified extension cords for your outdoor lights. If the cords feel hot, unplug the lights for a while to reduce fire risk.
Turn off lights before you go to bed or leave the house. Otherwise, the hot lights could start a fire, and you will be asleep or away
from home and unable to intervene.
Water the tree regularly. A dry tree and hot lights are an unsafe combination.
Store lights properly to prevent damage and simplify decorating next year. Instead of stuffing them in a box, carefully wind the
light strands, secure them with twist ties and store them in plastic bags. Alternatively, wrap the strands around a paper towel tube and thread the ends through the tube’s hollow center.
Hanging lights is a fun and festive holiday tradition. With these safety tips, you have peace of mind as you enjoy your sparkling home all season.
If you tuned in to the coverage of the recent election, you could learn a few tips from political campaigns that help your job search succeed. While some candidates may not have been entirely civil, in general candidates conduct themselves in a positive manner (they are, after all auditioning for a job). Other job candidates can learn from the campaign trail.
- Be Friendly
Rarely will you see a political candidate frown. That’s because they know they need to be friendly. So smile, make eye contact, use your manners and call people by the right name when you print resumes, talk to hiring managers and interview for jobs. These actions show that you’re friendly, likeable and nice, and they attract people as you demonstrate that you’re a team player.
- Keep it Simple
Of course you are familiar with product names and technical acronyms associated with your industry, but you risk turning off hiring managers who is not familiar with those terms. Stick with simple language on your resume and during interviews as you share your skills and wow potential employers.
- Enlist Superdelegates
Every successful job search is achieved with help from a team. Ask former co-workers to be a reference, ask friends to share potential job openings, and ask a career center to proofread your resume. All of these people can support your job search, boost your morale and help you land a job.
- Answer Questions
Some job interview questions are hard, including why you left your previous job or why there are gaps in employment. Anticipate the tough questions and prepare answers that are direct. Skirting issues only shows that you are not trustworthy or ready to tackle tough challenges at work.
- Use Social Media
In addition to finding jobs on social media sites, you can use Google Plus, Twitter and LinkedIn to build your brand and image. Share relevant news articles, discuss trends and talk about your opinions as you gain credibility it the field, engage your audience and stay visible to potential employers.
- Share a Short Message
You are passionate about your experience and may even have a vision for what you want to do in a new position, but use fewer words not more. A short message is more likely to hold a hiring manager’s attention and allows everyone to get a turn to talk during interviews.
- Be Trustworthy
Employers are looking for team members who tell the truth, follow ethical behavior and live with integrity. Tell the truth about your qualifications and during interviews as you demonstrate your trustworthiness.
October, Adopt a Shelter Dog month, is a great time to add a dog to your family. Be careful which breed you adopt, though. Insurance companies use data from insurance claims and public health studies to create a high risk dog breed list, and your homeowners insurance premiums can increase based on the type of dog you adopt. You can save money when you choose a dog that’s not on the high risk list.
Working Breed Dogs
Agile, powerful and intelligent, Akitas, Alaskan Malamutes, Doberman Pinschers, Rottweilers and Siberian Huskies are also fiercely protective. If they’re not trained properly, these breeds could be potentially dangerous, especially to young children and small pets.
Loyal and protective, American Pitbull Terriers and American Staffordshire Terriers have been bred to hunt. These traits mean they can become aggressive and tenacious if they’re cornered or frightened by one of your family members or guests.
Police departments, military personnel and ranch hands appreciate this breed because the dogs are intelligent, hard-working and powerful. They’re also suspicious of strangers and won’t back down, which makes them a challenging breed for inexperienced owners to handle.
Independent and strong Chow Chows are often kept as companions. These fluffy dogs can be aloof and stubborn, though, and should only be adopted by experienced dog owners.
Wolf Hybrid and Presa Canarios dogs exhibit strength and protective characteristics. However, they can also be unpredictable and quick to attack, making them potentially dangerous breeds. Friendly and docile Great Danes are listed on the high risk list, too, because of their size.
A dog adds fun and companionship to your home and family, and adopting a shelter dog is socially responsible. Before you choose a new pet, though, consider whether or not it will increase your homeowners insurance cost. If so, you may choose a different breed or reduce your home insurance premiums by installing a dog fence or raising your deductible.
Fall is officially here on Tuesday, September 22, 2020. Managing your property includes caring for the landscaping. Proactive measures this fall protect your plants and ensure vitality next spring. Implement several tips as you maintain attractive landscaping and improve the safety of your property.
Mow the Lawn
During the fall, grass will continue to grow so mow all season. During the final cutting, mow the grass as short as possible to prevent winter matting and promote lawn health all season.
Remove dead leaves, grass clippings and other debris from the lawn, flower beds and hardscape. This debris can encourage harmful disease to grow, block drainage systems and damage the environment. It’s also an eyesore.
Fertilize the Soil
Add nutrients to the soil for landscaping health. The ideal fall fertilizer is rich in phosphorus and potassium, two nutrients that stimulate grass root growth in the future.
Summer drought can affect plants long into the fall and winter. Water plants if necessary to combat water deficits.
Prune and Wrap Plants
Create a neat and tidy appearance, reduce storm damage risk and invest in healthy landscaping into the future when you prune shrubs and trees. Then wrap plants with burlap to protect them during the cold winter months.
Protective mulch prevents weeds from growing and insulates soil from water loss and cold weather damage. It’s also attractive, so spread a healthy layer of mulch around all your plants.
Insects, mites, voles, and other pests can wreak havoc on your landscaping in the fall and winter. Hire a professional exterminator to treat your property.
Plant Winter Greenery
A variety of flowers, shrubs and trees bloom during the winter and brighten your property. Consider planting greenery that adds texture, color and style to your property’s appearance.
Inspect your parking areas, sidewalks and other hardscape. Repair and seal the cracks and holes to prevent further damage, improve safety and protect your investment.
Drain the Sprinkler System
If you have a landscaping sprinkler system, drain it during the fall months. Remove the water to prevent frozen or burst pipes and expensive repairs.
Perform a Storm Damage Audit
Walk around your property and identify any areas that could be affected by storm damage. You may need to trim tree branches that hang over power lines, move dumpsters that interfere with snow removal or repair perimeter fencing. Remember to update your property insurance coverage, too, before winter storms strike.
Schedule Snow and Ice Removal
Plan for winter weather now. Schedule snow and ice removal to reduce slip, fall and accident risks.
When you take care of your property this fall, take proactive steps that enhance the landscaping. Keep it attractive and healthy all season.
COVID-19 has changed the way we are going to remember this Independence day weekend. Governor Newsom has announced stricter restrictions and closures ahead of the July 4th weekend, including a crackdown on mask wearing violations. Public fireworks have been cancelled in most counties.
However, it is a big holiday weekend and Americans will celebrate, here are some safety tips.
Take Precautions While Grilling
Burgers, hot dogs, fruit and pizza taste delicious when they’re grilled. Grab your favorite side dishes and follow a few precautions that ensure you and your guests grill safely.
- – Always supervise the grill when it’s in use.
- – Never grill indoors or in a fully enclosed area such as a garage or tent.
- – Use lighter fluid sparingly and never after the coals are ignited.
- – Keep children and pets away from the hot grill.
- – Remove flammable objects, including trees, from near the grill.
- – Use long-handled tools to handle food.
Use Fireworks Safely (if allowed)
Public fireworks displays are the safest way to enjoy the beautiful colors and terrific booms of this July 4th tradition, especially when you maintain a distance of at least 500 feet between you and the show. Firework displays at home can be fun though too. If you go that route, take these precautions.
- Follow the instructions on the packaging.
- Never allow children to play with the fireworks.
- Stock a fire extinguisher or water supply nearby.
- Wear eye protection when lighting fireworks.
- Remove flammable materials from the area.
- Never point fireworks toward people, animals, vehicles or structures.
- Properly dispose of duds rather than trying to relight them.
Stay Safe on the Beach (if allowed in your area)
Swimming is a fun summer activity, and it’s good exercise. At the beach, lake, public pool or backyard pool, stay safe with these tips.
- – Swim only in designated areas.
- – Obey the lifeguard and all posted signs.
- – Swim sober.
- – Get out of the water during a storm or if you hear thunder or see lightening.
- – Require children to wear life jackets.
- – Don’t dive into shallow water.
Wear Sun Bathing Protection
Picnics are part of many July 4th celebrations. You should also take these protective measures.
- – Wear sunscreen that’s at least 15 SPF.
- – Remember to apply sunscreen to your ears, hair part and the tops of your feet.
- – Avoid direct sunlight between 10 a.m. and 4 p.m. when the UV rays are strongest.
- – Reapply sunscreen every two to three hours or more frequently if you’re sweating.
- – Drink plenty of water even if you’re not thirsty.
- – Wear a hat, sunglasses and long sleeves if you have to be in direct sunlight.
- – Watch for signs of heat stroke, including hot, red skin, shallow breathing and rapid, weak pulse.
Please be safe out there, follow the rules and guidelines and have fun.