Why Your Business Needs Errors and Omissions Insurance

Your company is considered at risk any time you do business with a customer or even with a vendor, did you know that? That isn't meant to scare you. Instead, it's meant to smarten you up and to make you more aware of the financial pitfalls that await you around every corner. Real estate agents are sued all the time against errors and omissions because of the ways those individuals choose to run their business. Sometimes a couple isn't satisfied with the service a real estate agent provided and what if they followed that agent's advice only to have the house sit on the market unsold for years at a time? That couple might sue the agent against errors and omissions for giving them bad advice and causing them to lose financially in the process.

What Type of Errors and Omissions Insurance is Right For You?

The only way to make sure your business is fully protected from financial risk is to have your errors and omissions insurance personalized. Whether you're an insurance agent, a real estate agent or some other type of professional, you never know when you're going to slip up or when a customer might allege that you slipped up. Regardless of the occurrence, you can't foresee every bad event and you certainly can't make every bad event better with kind words. Instead, you need a way to properly defend your company against these claims against your professional services. All industries are at risk, and legal fees, lawyer fees and settlement payouts can be quite expensive. Unless your company is rolling in dough, you may want to prepare for rough waters ahead, even if the sun is shining overhead right now.

Your Unique Errors and Omissions Policy

You can't just go up to your insurance agent and ask for errors and omissions insurance. Instead, you'll want to sit down with your agent and describe to that person what your business is trying to accomplish and who you do business with. Your agent needs to understand your business inside and out, as that's the only way a proper errors and omissions policy can be written. It sounds vague but it's a really complicated process that involves studying the organization and every facet to determine what types of claims could potentially be charged in the future and the policy needs to be written to protect the company against those types of claims.

Luckily, your agent will be well-versed in all the errors and omissions insurance paperwork and will be able to help you come up with the perfect policy for your specific organization. The perfect policy will protect your company from errors and omissions claims, but it'll also be completely affordable.

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The Social Network

It's that awkward moment when you go to your high school reunion and see the guy that sat behind you in senior English class. Small talk is exchanged: "Hey, how's life treated you since high school?" But you both know the small talk is unnecessary. Why? Because you checked his Facebook a week ago and since then, he has taken the world's best nap, gotten down on Friday, and been completely humiliated by his favorite sports team. Small talk is obsolete.

It's not just all of your old high school classmates getting socially networked; small and large companies alike are jumping onto the bandwagon. And why not? Think about the days when companies had to print out thousands of letters or advertisements to announce a new product. A waste of time, a waste of resources, and let's be honest, you didn't really care to get that extra junk in the mail. This is a huge advantage for businesses.

Cisco was recently given the title 'Most Engaging Brand on Twitter'. They routinely announce things on their account (@CiscoSystems) such as webcasts and news articles that benefit their clients. Cisco has begun using cloud computing, and they routinely post links to articles referencing what this means for the company. Juniper (@JuniperNetworks) has coined the hashtag 'geek of the week', which links you to Facebook where users can read an excerpt about people such as Robert Metcalfe.

Some people will argue that one social networking outlet is better than the other, but the truth is both Juniper and Cisco tend to use both equally. Since Twitter has a one hundred and forty character limit, they tend to use the services of Ow.ly or Bit.ly to shorten links that lead to Facebook. Facebook pages can contain more content than Twitter, such as support pages and areas where users can post questions or raves.

Now, it's that non-awkward moment when you go to your high school reunion and see the guy who sat behind you in senior English. There will be small talk, yes, but now you can check Twitter and let him know that your favorite company just announced a seminar you would love to attend, and you can't talk because you'll be too busy RSVPing via the link they provided. Sure, he will probably think that you have gone a bit crazy since high school, but you will know the truth; you are on the cutting edge of networking, and knowledge is literally just a click away.

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Why Do You Need a Tacklebox?

A tacklebox or a tackle bag is a necessity to store your fishing lures, bobbers, and hooks.

A tacklebox is a necessity to store your expensive lures. The more you fish the more expensive lures you will accumulate. I can't imagine over time having a tangled mess of barbed metal to contend with. Nothing beats staying organized. Therefore, having a tacklebox is a must.

So the question remains what type of tackle box do you need? There are many different types of tackleboxes to choose from. I suggest a tackle box with sufficient storage for your current needs then double it. Also to keep in mind your tacklebox should have sufficient compartments to hold some oversized lures. You wouldn't want the oversized lures to tangle maps, leaders, or bandages.

What should you include in your tacklebox?

Bandage strips contained in a water-resistant container Matches sealed in a water-resistant container Suntan lotion Flashlight and spare batteries Spare car key in a small case attached to a large colorful bobber. (Hint: The bobber has to be large enough so that the small case does not sink).

For the salt-water enthusiast, tackle bags may be a practical alternative to tackle boxes. These tackle bags have plastic cylinders inside to hold saltwater lures. As well, the tackle bags have side compartments for leaders.

Although the tackle bags are convenient, remember not to lay your tackle bag on the sand as the tide can sweep up your tackle bag and take it to unknown places along with your expensive saltwater lures and your car keys. Or may have the unfortunate fate of having your tackle bag run over by a four-wheel drive vehicle or a dune buggy. Yes, this can happen.

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Why Do You Need a Tacklebox?

A tacklebox or a tackle bag is a necessity to store your fishing lures, bobbers, and hooks.

A tacklebox is a necessity to store your expensive lures. The more you fish the more expensive lures you will accumulate. I can't imagine over time having a tangled mess of barbed metal to contend with. Nothing beats staying organized. Therefore, having a tacklebox is a must.

So the question remains what type of tackle box do you need? There are many different types of tackleboxes to choose from. I suggest a tackle box with sufficient storage for your current needs then double it. Also to keep in mind your tacklebox should have sufficient compartments to hold some oversized lures. You wouldn't want the oversized lures to tangle maps, leaders, or bandages.

What should you include in your tacklebox?

Bandage strips contained in a water-resistant container Matches sealed in a water-resistant container Suntan lotion Flashlight and spare batteries Spare car key in a small case attached to a large colorful bobber. (Hint: The bobber has to be large enough so that the small case does not sink).

For the salt-water enthusiast, tackle bags may be a practical alternative to tackle boxes. These tackle bags have plastic cylinders inside to hold saltwater lures. As well, the tackle bags have side compartments for leaders.

Although the tackle bags are convenient, remember not to lay your tackle bag on the sand as the tide can sweep up your tackle bag and take it to unknown places along with your expensive saltwater lures and your car keys. Or may have the unfortunate fate of having your tackle bag run over by a four-wheel drive vehicle or a dune buggy. Yes, this can happen.

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Why One Would Choose Cremation?

Everyone must eventually come to grips with what happens when they die. Some believe it is just too dreadful to even think about, however something will occur at some point which reminds us that life is short. This often will generate thoughts of what we would like to happen when it is our time and whether we would like a traditional funeral and burial or whether we prefer cremation.

Many families automatically assume there will be a traditional funeral and burial and do not even consider the possibility of cremation. Families carry on traditions without really giving much thought to it and a traditional burial is one of those things. However, if one stops long enough to consider why this option should be explored, they may very well change their minds.

The cost for a regular funeral often hits many families hard. With these come the costs of preparation of the body, a coffin, gravesite, tombstone, opening and closing of the grave, not to mention the cost of the actual services and flowers. Just reading them off one can almost hear the register adding all those numbers. Costs can easily run well over $10,000 for the final event.

If the family has not prepared for this, it can be more than daunting to come up with enough to cover a modest service. Perhaps you have even heard stories of the struggle some families have in meeting this urgent need. This only adds unnecessary stress and strain on an already stressful time for family members.

These are only a few of the reasons why cremation should be considered. Once thought of as rather a dreadful thing to do, many actually realize that it is not only more economical but earth friendly as well. If you think of the alternative, this method is much less horrific than initially thought.

Obviously, anything can become expensive if you add all sorts of extras and services that are premium; however, it can be an alternative that can fit even the most modest budget. For those that are concerned with abiding by the tradition of having a memorial service and formal burial, these things can be adhered to even when this option is used. After all, anything is possible.

In fact, grand services can be held with all the fanfare the family feel is necessary without actually burying the body in the ground. Of course, this comes with a price but if one compares the two, it would still be less expensive than the traditional option. Also, it would be by far the greenest option there is if the environment is of concern. So, instead of automatically assuming the stance that a traditional burial is what you want, take the time to actually look into and consider cremation as an option.

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Dental Fixes for Women

Women are often very busy, and don't have a lot of time to see a dentist should they have an oral issue. However, for some problems, dentist visits are not always necessary. There are six common oral conditions that all have easy, at-home treatments. And most of them don't cost a thing! How's that for discount dental care?

Sensitive Teeth

The exposure of nerve roots, often caused by receding gums, can often lead to sensitive teeth. To treat this, stop the use of tartar control, whitening, and baking soda toothpastes. These are abrasive and may contain phosphates, which are both causes of sensitive teeth. Also, be careful not to brush your teeth too hard, as this may lead to receding gums. Visit your dentist for a professional fluoride treatment if your teeth are still in pain.

Lost Tooth

If you've lost a tooth due to an accident or too much sugar, you'll want to do a few things before you visit the dentist. Immediately after the tooth falls out, rinse it off and push it back in your mouth. Gently bite down on a moistened tea bag or soft cloth to hold it in place. While losing a tooth will tear the ligaments of the gums, some might still cling to the tooth thus reattaching the tooth to the gums. However, smoking, drinking hot beverages, and constantly poking the tooth with your tongue will help decrease the chances of that happening. The tissue inside can die even if the tooth does reattach. In that case, you may need a root canal.

Burned Palate

If you've burned the roof of your mouth due to eating that steamy hot pizza too quickly, then you may want to avoid eating acidic foods afterward, such as oranges or tomatoes. You also may want to apply a liquid anesthetic, such as Kanka, that sticks to saliva-coated tissue in order to protect the burn. To help further reduce inflammation and speed up the healing process, your dentist may prescribe a topical steroid cream.

Burned Tongue

Everyone's burned their tongue on hot chocolate or coffee at some point in their life. The next time this happens to you, try soothing the burn by rinsing with a solution of a teaspoon of salt and a cup of warm water. The salt will bring the infection to the surface of the tissue where the body will eliminate it, and helps to neutralize the acid in your mouth that contributes to the growth of bacteria.

Sore Jaw

If your jaw is sore, it may be because you're grinding your teeth at night. Extreme grinders may develop TMD (temporomandibular joint disorder) which may lead to bad headaches from the front of the ears down to the lower jaw. You're less likely to grind if you're relaxed before bed. Do what you can to sooth yourself before you go to sleep: take a hot bath, listen to music, etc. It may also help to sleep on your back. If all else fails, take a trip down to a cheap dentist office to get fitted for a night guard.

Canker Sore

There are many possible causes of canker sores, but sharp, crunchy, or spicy foods can further irritate them. To help protect from irritation, apply some vegetable oil to a cotton ball and hold it on the sore for about a minute. Do this three or four times a day. The oil will coat the sore and thus eliminate some of the pain and irritation.

If you don't have any discount dental coverage for these procedures, don't worry yet. These six common oral health issues are not too serious and do not require a dentist visit. If you are suffering from more severe oral problems, however, a discount dental plan may be a help.

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