How to Pick the Appropriate Home Insurance

Posted by on Dec 24, 2016 in Financial Info

If you are like most people in America, your house is your largest asset. More money is spent on paying for a house than is spent on just about anything else. The average home in America is worth almost $200,000. Across the country, when a home is purchased with a loan, the lender requires home insurance on the home. This is to protect the bank but it is also to protect you as the home owner.

However, the main thing that people look for when selecting their home insurance is to figure out where they can get it cheapest. Most people have no idea what home insurance covers and they don’t consider the benefits of one policy over the other. Fortunately, most insurance policies have fairly standard coverage. But many home owners find themselves sorely disappointed when it comes to making a claim. What is covered with a standard home insurance policy?
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1. It covers the structure of your home.
Your home insurance policy will pay to repair or rebuild the house should an event like a fire, wind or hailstorm cause damage. Pay extra attention to the coverage amount listed. If it costs $300,000 to rebuild your home and you only have $200,000 worth of coverage you will either have to come up with the difference yourself or you will have to build a cheaper house. Also pay attention to what kind of disasters it will cover (earthquakes, floods, hurricanes, etc.)

2. It covers your personal belongings.
There are two main types of coverage regarding personal belongings. Personal belongings refers to all the “stuff” that you own. You can have “actual cash value” coverage or “replacement cost” coverage. Actual cash value is generally the type of coverage you have on your auto insurance. The insurance payout will be on what the value of the items were at time of loss. To get an idea of what that coverage would be ask yourself the question “what could I get for my stuff at a garage sale or if sold online.” Replacement cost coverage will pay to replace your stuff for what it would cost to buy new.

3. It provides temporary living expenses if your house becomes uninhabitable due to a covered loss.
If, for example, a tree falls on your home and makes in so that you cannot live there until the necessary repairs are made, your home insurance will cover a certain number of days worth of living expenses (primarily food and housing in a hotel).

4. It provides liability protection.
This coverage is to help protect your assets in the event of somebody coming after you financially. An example would be someone slipping and falling on your steps and then hiring a lawyer to sue you. Talk to your insurance agent about how much liability protection you should have. Generally speaking, the more assets you own, the more liability protection you should have.

Having the appropriate amount of home insurance coverage is vital if you want to protect yourself, your loved ones and your property. Maybe you have an RV instead? Visit motor home insurance by Williams for more information. If you live in the Marion, IL area and have any questions or would like an insurance assessment, please contact our office. We would love to help you.

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Trucking Factoring Companies Can Help You!

Posted by on Oct 13, 2016 in Financial Info

file1271306993571There are many things that you’re going to have to do to make sure that your trucking factoring company can survive and even thrive. One of these is transportation factoring because it allows you to give up a minute part of the value of an invoice to get the bulk of it when you need – sometimes when you wouldn’t have gotten anything at all otherwise. Since you need to be paid on every job promptly, this service is essential so that you can guarantee that you’ll be able to stay in business.

At the center of this is the method through which you interact with the factor you choose. You sell them the invoice for the job that’s giving you trouble, for which they pay you around ninety percent of the listed value up front. When your client makes good for them, they pay you the rest minus a small operational fee that keeps the factor in business so that they can help you again if needed. This will make it possible for you to keep moving forward because you won’t be bogged down trying to collect while your bills keep stacking up.

Those bills are the great threat to your company that makes necessary. Even if your client refuses to pay you, you’re still expected to meet your company’s obligations. If you have employees, you have to make payroll no matter what. Your vehicle has to go through maintenance the same as always to ensure that it’s going to do what it’s supposed to on every job. You have to make sure that you have enough fuel to keep every machine you use running. If any of these obligations aren’t met on time, they’re going to wind up shutting you down.

Fortunately, it isn’t hard to find a trucking factoring company that can help you to get this taken care of. There are a respectable number of factoring companies out there, many of whom do everything they can to make sure that you’re genuinely helped rather than just provided basic services. Some of them even have a strong personal connection to the transportation industry that motivates them to do everything they can for you. That means that they’re going to make sure that you’re able to thrive even in the face of problems that could otherwise force you out of business.

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Serviced Office Suites – What to Look For

Posted by on Aug 3, 2016 in Office Suites

work-space-232985_640Your level of comfort and productivity while staying in a serviced office suite will be largely determined before you even pay the rent and move in. You have to select a suite that offers all the equipment and services you need while providing a safe, clean and comfortable environment that allows you to settle into your work and focus.

Equipment & Services You Need

A good serviced office suite will provide all the basic office equipment that you may need. This includes fax machines, phone systems, and access to the Internet for your computer system. You should be able to make copies and comfortably seat everyone needed to conduct your business. The phone system should at least provide you with local phone calls and you should be able to make long distance calls through your own cell phones and Internet programs.

If you aren’t able to do all of these things with standard equipment in your office suite, then you won’t have everything needed to effectively carry out daily business activities. If you can’t find information about the equipment offered inside your chosen serviced office suite, give the company a call before committing and make sure any equipment you may need is included.

It is also important to make sure all equipment will be modern and not outdated. It should be fully functional for the purposes you will use it.

Most serviced office suites will also give you some access to administrative or secretarial support. If you will be needing these services, make sure you understand how much access you will be given and what hours this support staff will be available. You may have to share these support workers with other businesses renting out serviced suites in the same unit, so make sure you understand how much you will be able to rely upon them.

There is nothing more tragic then expecting full service secretarial help and finding out that the services are quite limited in terms of the availability of staff. Make sure to ask ahead of time so you can look elsewhere or bring your own support staff if services are going to be less than ideal.
Comfortable Surroundings

The furniture and decorative elements offered in a serviced office suite are just as important as the equipment offered. If you don’t feel comfortable in the environment offered you won’t be very productive and inviting others into the office space for meetings or collaboration will reflect negatively on your business.

The best way to determine how comfortable the environment will be inside a business suite is to look online. The best serviced office suites will feature pictures online or virtual tours that allow you to see inside the suite even if you aren’t close enough to in for a real tour. If you come across companies that do not release pictures or detailed information about the furniture and décor inside their suites, then you should look elsewhere.

Of course, the ideal thing to do would be to go into the suites yourself and look around, but that is usually impossible. If you are renting your serviced office outside of your local community, you will have to rely upon pictures online and the reputation of the company to ensure you will be greeted by a pleasant, clean and professional working environment.

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Hilary Clinton Losing The Lead In The Presidential Race

Posted by on Jul 29, 2016 in President Election, Scandals


Every election process is different, and they all have they own peculiar attributes and characteristics which separate them from the previous ones. When it comes to this year’s presidential elections, Hillary Clinton and Donald Trump are leading a very exciting battle, and their maneuvers are becoming more and more interesting. Clinton was in the lead in the recent months, but her controversy with email servers has narrowed her lead to only 3 points, according to the latest study. It is evident that the race for the Oval Office is going to be tight until the last moment, and that the winner will have to work hard to earn that title and reach the White House.

The research conducted online by NBC had around 7.800 participants, who were all adults eligible to vote in the next elections. Even though online surveys are causing doubts in the minds of most people, this analysis was performed in a serious and professional manner, and the results can be regarded as accurate and reliable. However, the results are not promising from Clinton’s point of view since she lost a sizable lead and now Trump is gaining on her in the race to become the next president of the United States. Her scandal with private email servers and the subsequent comment by FBI Director James Comey have put Hilary Clinton under a lot of pressure and her every move is now carefully monitored. Even though she will not the be prosecuted for the activity, the commentary by the FBI Director and the media uproar resulted in a lot of negative publicity for the wife of Bill Clinton, the former US president.

The Democratic party is still fully supportive of Clinton and her campaign, but additional efforts will be necessary if the candidate from the Republicans is to be beaten. Trump has also had his share of scandals and bad publicity, but it seems as if he feeds on the negative comments and they only bounce back of his impenetrable shield of slight arrogance and even humor. His unfavorable rating was at 62% this week, same as in May, which means that no significant change occurred to his image and popularity. On the other hand, the results of the NBC survey show that 66% of potential voters regard Clinton as not being honest or not being trustworthy. It is evident that the controversy with the email servers, which was deemed only as “inappropriate” by the FBI, has produced results in the minds of ordinary Americans, so it remains to be seen what will happen in the next few months.

Hillary Clinton and Donald Trump are two candidates that are evenly matched, and their strengths and weaknesses are on very similar levels. With such a pair, it is hard to choose, and the majority of voters will have a tough time making their minds when the time comes. It will be a shame if scandals and controversy select the next president, and not qualifications and capabilities to run the country in the best possible way.

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