Texas is the only state in our great union that doesn’t require employers in some form to carry workers comp coverage. Is this good news? I run across many Texas businesses that choose to go bare. I hear things like, Hey, my employees work in an office, what’s going to happen? If someone gets a [...]

Both existing nurseries and people considering setting up their own nursery will already have a lot to think about. from staffing and maintaining premises to marketing and actually get places filled. and clearly as well as love for children and a desire to make a difference in their learning years, as a business owner, making [...]

Yes, you can insure the buildings you operate your business from very cheaply, if you wish. There are two ways to do this: Jump on the first offer of cheap commercial buildings insurance you come across, promising extremely low premiums and huge payments in case of claims. Don’t bother reading the fine print listing the [...]

Now that you’ve decided you want to start a business you’ll have to write a comprehensive business plan. all businesses should have one and they are vital if you want the business to run smoothly. in fact, it will be practically impossible for you to get funding, should you need it, without one. A comprehensive [...]

CLEANING HOUSE: Gov. Rick Snyder’s administration has rescinded a net total of nearly 400 government regulations deemed out-of-date or unnecessary — and the effort is barely months old. (Bridge illustration/A.J. Jones) The state has too many regulations and it costs too much to comply with them. That has long been a mantra of business groups. [...]

Become an Actuary? what the heck is an actuary? That’s what I first said when I heard that job title. Little did I know that being an actuary has been consecutively ranked as one of the best jobs in United States by the Jobs Rated Almanac. The fundamental role of an actuary is to assess [...]

Jasper Mayor Terry Seitz announced at a special meeting on Tuesday that the city’s Insurance Services Office (ISO) rating had risen from a five to a four. The ISO rating is based on risk and in this case associated with the city’s ability to respond to fires. The ISO rating change reflects the upgrades made [...]

Health insurance costs are a great challenge for many small business owners. Attracting and retaining employees is important to any business, and your health insurance plan is a key employee benefit. Larger employers have a built-in advantage: they can offer better benefit options at a lower employee cost. How can small business owners compete for [...]

The way a case of fraud can affect a business can be measured in many different ways. it is usually the amount of losses that makes the headlines, but equally the publicity can severely damage some companies that are expected to be able to look after their internal affairs better. Insurance fraud is a type [...]

Now-a-days people in California are realizing that Insurance fraud is a serious problem and also an abuse for which they have to pay the price. Insurance fraud occurs when any act committed with the intent to fraudulently obtain some benefit or advantage to which they are not authorized or entitled to. Fraudulent activities also affect [...]

With commercial real estate lending still considered soft, many investors have been coming into the marketplace through a federal program that allows foreign nationals a green card in exchange for investing in job-creating ventures. this program, known as the Immigrant Investor Program, or ED-5 visa, could be the answer to many commercial real estate investors [...]

Finding affordable health insurance is no easy task unless you are employed by a business that offers a health benefits package. unfortunately, not everyone works, or works for an employer who offers a group health insurance plan to his or her employees. If you or your spouse doesn’t have affordable health insurance in San Antonio, [...]

One of the best ways to secure a stay at home income that will provide for the entire family is through residual income. What is Residual Income?For the purposes of a stay at home mom, residual income (or passive income) is income that continues to flow in even after the initial act that produces the [...]

WEST OLIVE – Ottawa County commissioners will have a new salary structure next year, while most countywide elected officers will get 2 percent pay raises each of the next two years. The county board voted 8-2 Tuesday to adopt the recommendation of the county’s Officers Compensation Commission, which had proposed scrapping so-called “per diem” payments [...]

KANSAS CITY, Mo. — The tombstone has proven a reliable enough marker of a person’s existence. Solid. Substantial. sometimes even monumental. But what does it tell us, truly, about the dear departed? Born, died, name and maybe an epitaph unlikely to do justice to the measure of a life. Perhaps there’s a better, online way [...]

Businesses that provide lawn care and general landscape maintenance operations are a common start-up every spring. According to a report from the Bureau of Labor Statistics of the United States Department of Labor, there were 402,000 self-employed grounds maintenance workers in 2008. this number continues to grow as the entire industry expects substantial growth over [...]

There has been much media advertising regarding the penalties of employing someone illegally with fines of 10,000 GBP per illegally employed person or up to 2 years imprisonment for the employer. It is vital to check that someone can legally be employed to work for you before you engage them and it is up to [...]

Everyone wants to get the best rates that they can for their mortgage.  However, without a good credit score, it is impossible to get those low rates.  I’ve listed 5 tips for getting your credit score in tiptop shape! 1. Don’t close credit card accounts to improve your credit score. you might have a good reason [...]

3 April 2012 last updated at 03:41 ET Share this page Jobs Growth Wales will create 12,000 six-month long job opportunities over the next three years A project helping young people into work in Wales has been welcomed by a group supporting small firms, but it warns the economy must be strong to sustain the [...]

Peace of mind could be worth a lot. that is why I suggest having an umbrella insurance policy. it shields you from liability from charges that go beyond what your traditional insurance covers. in this article I will tell you why and you should have an umbrella policy and how to obtain one. First, umbrella [...]