Knowing How and When to Purchase Insurance

Posted by GuyFriday on July 12th, 2014 under Money, Richmond Business Tags: , ,  •  No Comments

Insurance is a wonderful benefit that many people enjoy.  It allows you to minimize your risk and protect yourself against future harm.  However, it is important to know how and when to purchase insurance.  Here are some tips to help you.

 

Use An Agent You Trust

 

One of the best ways to purchase insurance is with an agent.  Evaluate a few agents and determine who you would prefer to work with.  A good agent can help you find insurance for all features of your life – health, home, auto, life, and more.  Often when you bundle these features, you can save money.  Check out Universal Life Insurance quotes to find out more. Plus, you most likely need this protection.

 

When You Need Insurance

 

Keep in mind that you might not need all of these different types of insurance immediately.  Instead, you will want insurance when assets are involved that you need to protect.  For example, you will need homeowner’s insurance when you have a new home.  You will probably want life insurance when you start a family.  And you could need travel insurance for your next trip.  A good agent can help you understand what insurance policies you need now and what others you should consider in the future.

 

The Fine Print

 

Finally, when you purchase insurance, it is important to read the fine print.  Many people fail to read the fine print.  This has created a nightmare in the world of ppi claimsPolicyholders simply assumed they were covered for something that wasn’t in their policy.  You can prevent this problem by reading the fine print and understanding exactly what your policy will do for you.

 

It is important to carry insurance and protect yourself from future harm.  Insurance is smart and safe.  However, you can easily over insure if you are not careful.  Be road smart as well by visiting www.bophillips.com. So talk to someone you trust today and determine what insurance you need.

Managing Your Business Move

Posted by GuyFriday on June 29th, 2014 under Real Estate, Richmond Business Tags: , ,  •  No Comments

Maybe your business is getting so successful that you need a larger place in which to operate. Then again maybe you’ve just decided to move to a different location for other reasons.   Regardless, don’t wait until the last minute to worry your new business address labels for your new location. There’s nothing less professional looking than a handwritten return address in the corner of a business envelope.

Why Should You Move Your Business?

Think about demographics; is moving to a different area going to make you more available to the types of customers that are more likely to take advantage of what you have to offer? If your business has anything to do with the tourist industry, should that be a concern? How heavily populated is the area to which you plan to move your business? What types of businesses surround yours; hospitals, colleges, museums, art galleries, sports arenas? How is the economic crisis affecting the area in which you plan to relocate? How are things transported; by truck, railroad, cargo, airplane? Are there any communication difficulties in the area? And of course there are always the taxes.

Moving Your Business Into Your Home

If you can manage it, there is a lot to be said for working out of your home. If should something happen at home, you can be there in less than a moment’s notice. Your schedule can be extremely flexible. You’ll save lots of money and on lunches that you would have eaten out otherwise. You won’t have to pay a rental on yet another building; or worse yet, purchase another building and pay more property taxes. And there’s nothing like being able to work out of the comfort and relaxed atmosphere that is only achievable in your own house.

You still need to order your business labels ahead of time however if you’re planning to move your business from another building into your home. Don’t use your regular, personal address labels for your business labels. Once again—it’s just not professional. Have special labels made up with your logo on them or some other symbol of your business or profession. You could also send out promotional items, such as stone coasters, to promote your new location.

Looking Your Best In Richmond

Posted by GuyFriday on June 27th, 2014 under News Tags: , ,  •  No Comments

1414989_makeup_set

 

You always want to put your best foot forward.  Looking your best is a constantly evolving process, especially as we get older.  The signs of aging often show up on our face first.  Our skin becomes thinner and tends to sag and wrinkle.  During the hot summer months in Richmond, over exposure to the sun is a real problem, for many people.  Unfortunately, sun exposure accelerates the skins again process.  It is important to protect yourself from the damaging sun’s UV rays.  Sunglasses, a hat, sunscreen and generally staying out of too much direct sunlight are all good tactics.

 

Signs Of Aging Skin

 

In order to look your best, you may need to address any treatable skin conditions you may have.  Luckily, there are treatments available, some more aggressive than others.

  • Age spots, also sometimes called liver spots are caused primarily by sun damage or other UV exposure, such as tanning lamps.  The damage is done at the top layers of the skin.  Any treatment must penetrate that layer of skin, in order to be effective.  Topical treatments are often the first option, either over the counter or prescribed medications can be helpful in many cases.  For more resistant spots chemical peels and dermabrasion are effective treatments.  Another option is laser therapy.
  • Dark under eye circles have a number of causes.  Sometimes they are caused by over-exposure to UV rays.  Other causes are due to dehydration or lack of circulation.  Also, as we age, our skin gets thinner and we become more translucent.  Blood vessels under the eyes are more visible, because of the thinning under eye skin, which causes the appearance of dark under eye circles.  Topical treatments, injections and even laser surgery are all treatment options for dark circles under the eyes.
  • We also lose elasticity in our skin, as we age.  This causes some people to suffer from a condition called elastosis.  Elastosis, gives the skin a leathery appearance.  People who spend a great deal of time outdoors, in the elements often show signs of this skin condition. Smoking can exacerbate this condition.  Collagen treatments can help, if the condition is diagnosed early enough.  Dermal implants such as silicone, is a more aggressive treatment option.

 

Slowing Down The Aging Process

 

As we age, it is inevitable that our skin will show the signs.  However, things like diet, limiting sun exposure and avoiding irritants like cigarette smoke can slow down the aging process.  When necessary, there are skin treatments to reverse the effects of aging on the skin.  When you get older, also look into senior care franchises to learn more about mobility. The earlier the problem is addressed, the more successful the treatments are for most people.

Curb Appeal Involves More Than Flowers

Posted by GuyFriday on June 26th, 2014 under Money, News, Real Estate Tags: , ,  •  No Comments

spring_garden_park_244968_lWhether you are selling your home, or just trying to make it look like that best on the block, a couple flowers and a new bush or two just aren’t going to cut it. If you’re trying to get eyes glued to your property, you are going to have to put serious thought and work into your home. Work up that exterior- get some fresh roofing installed, maybe a new paint job, install a centrifugal pump, and maybe even lay in some fresh grass. After all that, does something still seem to be missing? Read on, friend.

 

Looking For More?

Have you done all the exterior work you can think of, and things still just don’t seem to be working visually? Maybe it’s time to look into a new garage door. Garage doors, no matter the type and material they’re made from, can be the icing on your cake when it comes to exterior renovation. They add a certain level of class and visual appeal to your home’s exterior that fauna or even a paint job can’t achieve. When looking for a new garage door, pick a company with years of experience, so you can trust that they know what they’re talking about, when they help you pick out the door that will be just right for your garage.
You can have an amazing interior, but without that exterior looking pristine, most people just aren’t going to take notice. If you’re going to make the effort to update your home, you may as well go the whole way, and handle the exterior as well as the interiors. A home is all about the symmetry, and if even something as seemingly minor as your garage door doesn’t compliment every other aspect, you’re asking for trouble.

Click here for more curb appeal tips.

 

Does It Feel Like Something’s Missing?

When it comes to exterior renovations, a new garage door is one of the more affordable investments you can make. No matter what your budget, a new garage door is a must, if you’re looking to complete the visual renewal of your home.
Still feeling a bit of hesitation? To make the investment even more attractive, keep in mind that when the time does come for you to sell your home, a new garage door will add to it’s value. Isn’t it time for your home work for you, instead of against you? Start off by visiting several websites to get a feel for how you want your house to look and then get your home as close to perfect, as possible.

RELATED LINKS:

Sunrise Roofing (video)

Finding Comfortable Clothing To Wear During Your Illness

Posted by GuyFriday on June 25th, 2014 under Shopping Tags: , ,  •  No Comments

Being able can be a horrible thing to deal with especially if you have been diagnosed with cancer. In order to get through this difficult time you need to do everything you can to make yourself comfortable. Most people with cancer experience some type of discomfort because of the medicine they are forced to take or if they are going through chemotherapy. Side effects can be really bad to so you have several different options to choose from in order to make everything not seem so bad.

CLICK HERE for designer clothes.

Shopping For Headwear

When you decide that you need to start looking for different types of headwear or something that will fit over your head you should go online because the Internet is going to give you several different resources and information. In order to do a search that will give you the best results you need to use the keywords scarves for cancer patients headwear. You will be very surprised to see all of the different options you have to choose from and most likely you will find something that is going to work for you.

Creative Approach

Something you might consider doing while you are being treated with cancer is thinking of your own ways to create headwear or scarves. If you have a creative gene that you like to let out from time to time this would be the perfect opportunity for you to show all of your amazing designs to someone that can create all of your masterpieces. It also will give you something to do to keep yourself occupied for a good cause.

No matter what always try to see the light at the end of the tunnel and stay positive during your battle with cancer. In no time you should be feeling amazing.

 

A Richmond Garden Wedding Requires Lawn Care

Posted by GuyFriday on June 22nd, 2014 under Cost Cutting, Money Tags: , ,  •  No Comments

982336_flower_decoration

 

Weddings can cost thousands of dollars or more, depending on how extravagant the occasion is, and booking a location for the wedding can be tough to do, if the location is a popular spot.  Considering all of this, it is no wonder that many people are choosing to have their weddings at home.  Not only does it cut down on those wedding costs, but having a wedding at home is more personal, and a great way to let people in attendance know that they are special to you.  You can also save money by buying Bridesmaid dresses cheap. If you choose to go this route, it is important that your lawn be as kept up as possible.

 

Home Weddings

 

While the church is the traditional wedding location, the fact is that not everyone is religious and even if they are, some choose to be out in the open, where their deity can look down on them.  Home weddings really are perfect for either of those circumstances and more.  The intimacy that is provided with a home wedding is perfect for smaller weddings, but can be even bigger than the wedding you planned at the church, if you want.  With a home wedding, you aren’t bound by any of the rules that may come along with finding a location to get married and you already know whether or not the place is booked.

Fixing it Up

 

If you choose to have your wedding at home, you will need to make sure that everything is perfect.  You will want to make sure that the lawn is neatly trimmed, so that everyone can see those wedding shoes that the bridesmaids spent so much money one, you will need to make sure that there are no weeds or mud, etc.  In other words, you want your lawn to be as perfect as the day should be. Of course you should have fresh flowers from a San Francisco flower delivery service.

 

Weddings are spectacular events that will last in your memory forever.  If you are having a home wedding in Richmond, the last thing that you want to remember about the day is how bad the lawn looked.  So, start some maintenance and get ready for the big day.

Help Your Teen Learn While Spending Time Online

Posted by GuyFriday on June 17th, 2014 under News, Richmond Business Tags: , ,  •  No Comments

1275249_study_table

 

If you are a parent of a teenager, you likely only see him when he comes up for air, from the latest electronic device.  Whether it is an MP3 player or a notebook, a laptop or a desktop, your teen is likely into the latest online games, social media sites and really anything else that the media tells them is the next big thing.  Not all of what your teen sees is good, but it is also far from all bad.  As a matter of fact, chances are your child is already learning some great skills while playing online.

 

 Keep Doing What They Are Doing

 

For instance, you know all of those status updates that they have been posting?  That is teaching them typing skills and creating a better typist.  You know how you just can’t understand why they are “chatting” online, with people that they don’t even know?  Well, this is building your child’s communication skills, by teaching them how to act in certain social situations (chat rooms demand manners, for instance).  They are also learning basic computer skills, which I am sure you will agree can definitely benefit him in the future.  He could be the next Bill Gates!  One of the most important things they are learning online is tolerance of other people and cultures.  They are interacting with people from around the world and are better for it.

 

Honing Those Skills

 

Now that you realize all of that computer time isn’t wasted, you may be asking yourself how you can help sharpen your child’s skills. Accessing an online digital text book and allowing your teen to choose one that interest them is a convenient way of enhancing your child’s school curriculum, while allowing them to use the medium they enjoy, the computer. Chances are your teen probably isn’t going to listen to everything that you tell him.  However, if you see him typing with his fingers placed incorrectly on the keyboard, suggest the proper placement.  If your child has questions about other cultures and places, take to research it together.  This is a great way to spend time with your teen without making it seem like you are trying to be too much of a parent.

 

The fact is that your teen is learning plenty of wonderful things online.  Of course, you will want to monitor your teen’s computer use to make sure that all he is looking at is the good, since we all know just how evil the internet can be. And make sure to not getting any viruses. If you just so happen to get one, use the best malware removal tool available.

 

The bottom line is that next time you see your teen with his head in an electronic device, remember that he isn’t just wasting time – he is building and sharpening skills that will benefit him for the rest of his life.

Richmond’s Best Smoke Free Dining

Posted by GuyFriday on June 13th, 2014 under News, Richmond Business Tags: ,  •  No Comments

Smoking in restaurants in Richmond Virginia has been prohibited since 2010 and although it was rough for many restaurants to comply at first, two years later almost all restaurants in the city are smoke free.

What To Do If You’re A Smoker

It doesn’t matter if you live in Richmond or are visiting the area, if you smoke, it’s almost impossible to find a safe haven or place to smoke without fear of breaking the law. Thankfully help is available when you use ecigarettes.
What exactly is an ecigarete you might ask? Read about Firefly Vaporizer reviews to learn more. It’s a small device that looks and feels just like a real cigarette except for the fact that it contains a small cartridge filled with e-liquid or smoke juice. This liquid is actually a combination of nicotine mixed with water.

When you inhale from an e-cig you will be breathing in a small burst of eliquid into your mouth. This will enable you to get your nicotine fix without fear of offending anyone with second hand smoke.

Where to buy eCigarettes

Thankfully, there are plenty of places to buy e-cigs and e-liquid in and around the Richmond are. The best place to find these products is at smoke shops or anywhere tobacco products might be sold.

Keep Your Richmond Business in Business with these Must have Supplies

Posted by GuyFriday on June 12th, 2014 under Cost Cutting, Richmond Business Tags:  •  No Comments

Every business owner buys office supplies so that their employees can stay productive during the day and do their jobs easier. If your office is in Richmond or any other part of the world there are must have office supplies that every office needs. This article will break down what those must have office supplies are so that your office will save money and time.

Essential Core Supplies

Every office needs to have a stock of the best pens, pencils, sticky notes, writing tablets, staplers and printer paper because these are the items that employees around the world use every single day. One your office is stocked up with these important supplies the next step is to get the essential core components of any office which are

1. A reliable all in one printer/scanner/copier (Generic 016-1759-00)

2. commercial electric three hole punch (saves a lot of time!).

3. Headsets for every employee who has a phone at their desk.

4. Unlock phones using iPhone 5 jailbreak.

These items will cut down on the amount of time that it takes employees to complete simple office tasks and enable them to do their jobs more effectively.

Make It More Than An Office

Studies have shown that successful companies build environments that are comfortable for their employees to function in and yet effective at the same time. Your office should include the right amount of lighting so that every employee can do their job productively. If overhead lighting is minimal in your office then you should invest in floor lamps and or desk lamps for every employee in your office. Other items that you should invest in to make your office more than an office are

1. Ergonomic office chairs for every employee

2. Small water fountain (to add a taste of Fung Shui).

3. Plenty of decorative plants and art to dress the office up and turn it into a comfy/cool place that people want to work instead of feeling like the have to work.

Making Informed Decisions About Car Buying

Posted by GuyFriday on June 11th, 2014 under Shopping Tags: , , ,  •  No Comments

Anytime you decide that it is time for you to purchase a new car you need to start thinking about all of the different things that you are going to have to do prior to buying your car. You need to get the most money you can, so that when you go to purchase your car you have a sizable down payment. By using CREDINOS, you can get that extra money for your down payment. Another thing you are going to have to do is figure out the best way to sell my car. You might ask yourself how much you can afford the monthly payments and you also need to always remember that you are going to have a different insurance payment each month. Find the lowest rates on auto insurance so you can afford your new car.

Choosing The Right Make And Model For Your Needs

There are so many different cars to choose from therefore you always need to think very carefully about which automobile is going to fit your needs. You should think about where you live and whether or not you will need four wheel drive.

Getting A Vehicle For Your Work

If you are in a situation where you’re purchasing a vehicle for your work then you should always ask the car dealership about what they recommend. They may have a vehicle that has plenty of cargo and gets great fuel economy. Those are important things you need to think about when you are purchasing a company vehicle. You also need to talk to your tax professional to find out what paperwork you need from the dealership in order to claim your automobile on your taxes as a company vehicle.

Doing research before you buy a new vehicle it is always a smart thing to do. It can save you a great deal of money and also keep you from a situation that might be bad for your financial situation.