About 46 percent of self-employed workers conduct their business from home, according to the U.S. Bureau of Labor Statistics. If you have a home-based business, you have special insurance needs.
The broader availability of wide-band or wireless Internet access and faster, cheaper computers have made working at home an increasingly viable possibility for millions of entrepreneurs. Continue reading “Insuring Your Home Based Business”
If you use a kerosene heater in your home or place of business, you should take precautions against a number of serious hazards.
These dangers include:
Fire or Explosion. Fire could be caused by operating the heater too close to furniture, draperies or other combustibles, Continue reading “Kerosene Heater Safety”
Life insurance does more than protect families from the financial costs of a breadwinner’s untimely death. It can also help individuals make a substantial bequest to a favorite charitable organization and possibly enjoy a tax break as well. Continue reading “Using Life Insurance for Charitable Giving”
Many newer cars have automated driving safety devices ranging from back-up cameras to automated parking systems. Google has been testing driverless cars on public highways, and soon most cars will include event data recorders, similar to the “black boxes” in aircraft. What will these developments mean for your auto insurance? Continue reading “Safety Devices Will Change Auto Insurance as We Know It”
Shopping for auto insurance can be difficult if you’re lucky enough to have a fancy sports car in the garage — or unlucky enough to have an accident or speeding ticket on your driving record. Continue reading “High-Risk Drivers Have Many Insurance Options”
In 1980, 38 percent of private industry workers had a defined benefit pension plan. By 2011, that percentage had dropped to only 14.7 percent. The rest will have to live their retirement on Social Security and their own savings.
Continue reading “Annuities: The DIY Pension Plan”
The debate over gun rights often pits the individual’s right to bear arms and the rights of private property owners, such as employers, to prohibit firearms on their premises.
Continue reading “Gun Rights vs. Employer’s Property Rights”