Does a horse trainer need insurance?

Dec 9, 2017 | Posted by in Business, Business Tips | Comments Off on Does a horse trainer need insurance?

Dealing with animals on a professional basis is a unique experience that brings on many levels of responsibility. These responsibilities are really unlike those in other professions. While drivers who use their cars professionally have to carry certain types of insurance coverage, dealing with a living being as part of a job does present many complications. This is why horse trainers, who obviously deal with horses professionally, must be wise and think about carrying horse trainer insurance in order to protect their livelihood and their professional interests.

horse trainer insurance

Protection in Case of Unforeseen Events

A horse trainer faces some legal exposure in their line of work, as there is always the possibility that other people (bystanders) can be hurt, and property can be damaged while a horse is being trained. Coverage for these types of events falls under a General Liability insurance policy, and it is likely the most important kind of coverage that a horse trainer should have.

Other events can occur that will expose a horse trainer, like injury, illness or death to the horse that is being trained. The owner of the horse may hold the trainer responsible for events that happen while the horse is under their care, so it’s important to be covered for this. This type of coverage is called Care, Custody and Control. It must be purchased separately or added on to a General Liability policy.

Horse trainers should also consider getting professional liability insurance. This can be an issue the more known the trainer is. The higher their professional level, the greater their exposure can be.

Training Horses Adds to the Risk

Horses are large animals that can be unpredictable. As trainers motivate horses and push them to learn more, there is definitely an element of risk involved in working with them. All of this is why horse trainers should definitely explore the different types of insurance available and consider adding several elements of coverage into one policy.

Working with horses is an honored profession, but there’s no question it does come with some risks. So, if you work with horses, be sure to take out insurance to protect your livelihood and your health and safety. It’s worth it!

RF Equipment: A Buyer’s Guide

Dec 7, 2017 | Posted by in Business, Business Plan, Business Tips | Comments Off on RF Equipment: A Buyer’s Guide

With so many different products, brands and model numbers out there, it can be difficult to shop for RF equipment. The good news is that it doesn’t have to be impossible, especially if you plan ahead! Whether you’re looking for a directional coupler or hybrid combiner, here are just a few tips for making sure that you buy the right products.

werlatone hybrid combiner

1. Know Your Specs

Think about height, width, weight and diameter. Think about frequency, insertion loss and power wattage. Even if you have some wiggle room in terms of the specs that you require, it’s always good to figure out your baseline when shopping for RF equipment. You’re less likely to be overwhelmed by all of your choices if you can say, “I need something with a VSWR of at least 1.30:1.”

2. Be Flexible With Your Budget

Instead of limiting yourself to a specific dollar amount, try to create a budget that emphasizes value over price. For example, even if you’re in the market for 90-degree couplers, don’t write off the possibility of upgrading to 180-degree models if they’re on sale. You want to make a financial decision that’s smart in the long-term as well as the short term, and this might mean spending a little more upfront.

3. Double-Check the Warranty

Most RF equipment is covered by a warranty as a matter of course, but it pays to read the fine print. Maybe the warranty only lasts six months unless you purchase extended protection, or maybe it doesn’t cover return shipping costs if you discover a product defect. Always be on the lookout for these kinds of loopholes. You don’t want an unpleasant surprise down the line!

4. Read Customer Reviews

Last but certainly not least, make sure to read customer reviews before committing to the purchase of a particular RF device. Will it fall apart after strenuous use? Is the company’s tech support substandard? Is it really mismatch-tolerant, or is that an exaggeration from the manufacturers? Customer reviews can tell you if the product really works and functions as advertised, so don’t disregard them.

RF equipment comes in all shapes and sizes, so it can be difficult to know what you’re looking at when you go to the website of a manufacturer or supplier. Use this buyer’s guide to make sense of the madness and find the products that you truly need.

3 Types of Roofing Material for Longevity

Dec 7, 2017 | Posted by in Business | Comments Off on 3 Types of Roofing Material for Longevity

The roof is a vital component of a home. When it starts to wear down, you may begin to see leaks within your house during rain season. From the outside, it may lose its aesthetic appeal when shingles start to fall off or break. Whether you are interested in re-roofing your existing home or you are building a completely new one, there are a few types of roofing materials to consider.

sheet metal roofing in Minneapolis

Sheet metal roofing in Minneapolis, for example, can last up to 50 years when installed correctly by professionals. Available in panels and shingles, they tend to be sleek, lightweight and recyclable. Sheet metal roofs can be used on cottage, cabin and contemporary homes.

In addition to sheet metal, here are three more roofing materials to consider for longevity.

Asphalt

Asphalt for roofing has become popular. It is available in an array of colors and tends to be budget-friendly. This roofing material does have a shorter life span than others, but can be used on a variety of home styles most often found throughout suburban areas. Even though it is fairly inexpensive, the quality does vary, so if you purchase from a reputable manufacturer, it may last longer than 20 years.

Clay and Concrete

Clay and concrete materials for roofing can be found in tile form. Usually textured, they add an elegance that is common in Mediterranean, Southwestern and Spanish homes. These tiles are durable, heavy and versatile. It is best to have professionals install this roofing material since it may require framing. Due to their sturdiness, these tiles can last up to 50 years.

Slate

The popularity of slate as a roofing material has seen a spike despite its hefty price tag. Slate is available in five colors including black, green and grey. It is a durable material that can last up to 100 years. Slate is usually found on homes that are styled after Colonial, and French and European chateaus. In addition to being durable, slate is also fire-resistant and recyclable. Since it is heavy and requires framing, it is recommended that professionals be hired to properly install.

The roof of your home is just as important as the walls. When the roof begins to show wear, it is a good idea to address the issue before it becomes an expensive problem. Asphalt, clay and metal are roofing materials worth considering.

8 Tips Adding Business Relations

Nov 25, 2017 | Posted by in Business, Business Tips | Comments Off on 8 Tips Adding Business Relations

In running any business, of course, requires relationships to run as planned. Without any relationships, it becomes very difficult to develop a business.

Staffing Agency

For that, the importance of having many business relations or connections for business development.

To add business relationships, there are many ways that can be done. The most important thing is the action you take instead of thinking.

Well, here are tips that can be used to add business relationships.

1. Know What So Needs in Business

The first thing you should do is to know in advance what things are needed in running a business.

Know what needs you can get from someone else who could be a relationship later.

When you have built a good communication, what you should do is strengthen the relationship that exists in order to provide positive benefits for the business later.

Ask for help in a way and a good word and clear to the relationship.

2. Treat Relationships Just as Important People

Next, you need to change the current mindset. Treat any existing relationships as important people.

Being kind and respectful, your relationships feel how valuable they are to you.

Not close the possibility of these relations will be responsive in providing assistance for the betterment of your business.

3.Don’t forget to inform the identity

The existence of business cards becomes the most important thing for you who are running a business.

It can be said that business cards become identity information that can be used to add business relationships.

When meeting new business partners, do not forget to always give your business card.

Though including small actions, this will have a big positive impact on the business.

This is because a business card becomes an identity that allows people to contact you later.

4. Build Interaction and Strengthen Communication

Do not just be active to interact on one particular class only, you also have to be open and active and join the various other communities even though not related to the business run.

That way, you can open opportunities as wide as possible to be able to build and add business relationships.

5. Understand Relationship

Each person of course has different needs from each other. Being aware of the conditions, of course, can be an opportunity that should be utilized as possible to create great opportunities.

If you know the needs of everyone you know, you can be the party that will play the role of liaison. This is what can make your business relationship continues to grow.

6.Always Display a Low Profile Image

Never once underestimate others. Because these people could have a family or friends who could have helped smooth the business you run.

For that, cultivate in yourself to believe everyone you know has its own potential that can grow your business.

7. Keep Communication Away

Approach the people you know by establishing good communication.

Mutual respect will certainly make the people you meet to be comfortable and feel appreciated.

This form of communication can make your relationship more durable, even make your relationship more developed to provide benefits for you later.

8. Avoid Being Shy

Never be embarrassed in building relationships with new people if you want your business to grow and move forward.

Do the simple things. Starting from talking over the phone, inviting meals, to the attitudes that can attract potential business partners.

Never Be Passive

The most important thing in adding business relations is take action. Never be passive that will only make you lose a lot of opportunities that can add business relationships.

The Benefits of Investing in REITs

Nov 20, 2017 | Posted by in Business, Invesment | Comments Off on The Benefits of Investing in REITs

A real estate investment trust (REIT) is a company that finances or owns real estate as an investment for producing income. Previously, investing in large commercial properties was only for investment houses and wealthy investors, but this changed with the creation of REITs in 1960, by an act of Congress. Today, small investors are able to invest in commercial property and earn rental income. According to sites like Fundrise, you can acquire access to large real estate deals without a major dollar commitment.

Fundrise review

Why a REIT

The idea of REITs was to provide a real estate investment arrangement that is analogous to the format that mutual funds provide for investing in stocks. They are governed by a number of regulations to maintain their tax exemptions, and most importantly, they are required by law to distribute at least 90 percent of their taxable income each year to shareholders. As mentioned in Fundrise reviews, individual investors can join others through a REIT and pool funds to invest in commercial property not otherwise possible for a small investor.

REITs offer a unique investment opportunity by reducing volatility and providing a natural hedge against inflation. REITs generally invest in most major property types including, shopping centers, malls, offices, apartments, hotels, self-storage facilities and healthcare properties. There are a number of benefits for investing in REITs.

Consistent and High YieldsFundrise Reviews

Understandably, the main draw for many investors has been the high dividend yield coupled with a remarkable consistency to pay and grow the dividend. REIT dividend yields have a history of being much higher than the average yield of the stock market, which means the average yield was about 4.3 percent in 2012. These dividends can make a big difference for long-term retirement savings, and they can also be reinvested to generate future returns. In later years, they can also provide a steady income stream to help meet expenses in retirement.

Uncomplicated Tax

For most partnerships, the tax issues are complicated, but not so REITs. Every year, REITs send a Form 1099-DIV to their shareholders, which gives a breakdown of how the dividends were distributed. As REITs do not pay corporate-level taxes, the ordinary income portion of the dividend for investors is taxed at the individual rate. If the REIT should sell assets, a portion of the dividend would be taxed as capital gains.

Ease of Buying and Selling Shares

Buying and selling property directly, is a laborious process that requires a great deal of time and money, whereas, REIT shares are bought and sold just like ordinary stocks on the stock exchange.

Reliability and Diversity

If you are looking for diversity, reliability and low risk, REITs are the ideal choice. They have proved through past performance of not only maintaining dividends but also growing them. An important feature of a high-quality, low-risk investment is a continuous record of dividend payments going back over many years and REITs pass the test with flying colors.

A REIT must have most of its investments in real estate and must give 90 percent or more of its taxable income to its shareholders as dividends. Since 1995, REITs have outperformed stocks and bonds. If you are looking for a total-return investment with a focus on income then buying shares of a REIT may be your best option.

Rising to The Top: Google Traffic Rankings

Nov 19, 2017 | Posted by in Business, Marketing | Comments Off on Rising to The Top: Google Traffic Rankings

If you’re a small business owner or striving entrepreneur who has a website but don’t understand the dynamics of search engines and SEO you’re losing money. Understanding SEO is a must in this current competitive market because it can have such a tremendous impact on your bottom line.

Google Search

If your site doesn’t land on the first results page chances are you won’t generate any significant traffic. This can have a detrimental impact on the financial health of your business as the second-page search results earn about 4.8 percent of the total eyes searching. For third page results, it’s shrunk down to a mere 1.1 percent of the total search traffic.

The Three Kings of The SEO Hill

When it comes to boosting your traffic organically, SEO statistics show that the first 3 results of a search engine garner approximately 80 percent of the total search traffic.

The Power of The Three

When you achieve the coveted top three you will receive a specific amount of traffic to your site, but understand that keywords are vital to your ranking status. The 3 organic slots at the top results capture 61% of the total clicks applied. Each keyword searched holds power earned from its searched-totals and with the most successful websites getting millions of monthly visits the sky is the limit for the 3 Kings.

Plot, Plan and Strategize

Consult with a professional SEO freelancer or reputable company and inquire about how they can assist you in achieving top search engine results.

How Much of The Internet’s Total Traffic Does Google’s #1 Search Term Generate?

It garners 33 percent of all the total inquiries performed. The best SEO optimization understands keywords are powerful weapons.

The best SEO strategies interpret the rankings and data traffic to formulate and put forth a winning campaign to achieve a spike in organic traffic to your website.

5 Strategies for Increasing Traffic to Your Website:
1. Write a regular blog of in-depth articles
2. Social annotations with Google+
3. Improve site speed
4. Video optimization
5. Smartphone SEO

Achieving a high volume of organic traffic isn’t easy, but well worth the hard work involved.