Umbrella Insurance

Umbrella insurance is meant to shield consumers from charges that go beyond what their traditional insurance covers. In auto coverage, an umbrella plan will kick in after a traditional liability or comprehensive insurance plan stops paying. For example, if you're in an accident and are found to be at fault, the insurance you have will pay for the charges up to the limit that you have placed on the policy. A $15,000 liability policy will pay for the first $15,000 damages, but if your bill comes to $40,000, you're liable for the remaining $25,000. An umbrella insurance policy will pay that bill, and you'll be left in reasonable financial condition.

Umbrella insurance doesn't just cover damages due to car accidents. It can also protect you from becoming financially devastated if you're sued for something that is beyond your control. If a person is damaged on your property, or by something on your property (even a tree!), you can be held legally responsible. Although some states do protect certain assets from being seized, such as your home or vehicle, it is easy to see how much damage even a small lawsuit can do to your financial security.

The cost of umbrella insurance varies by state and by your location in that state. The cost is different for the same reasons that traditional insurance is different, so whatever factors influence the cost of your traditional auto insurance can be expected to play a part in the cost of your umbrella policy. A good range of cost for umbrella insurance is between $200-$300 per year. For that small amount of money, the insurance can contribute up to five million dollars of a lawsuit claim, making it well worth the small increase in the cost of premiums.

Because of the nature of umbrella insurance, it carries a high deductible, sometimes of more that $200,000. Of course, you are not paying that amount out. This is the amount that "you" have to pay before it kicks in, but "you" if often your primary car or homeowners' insurance. Most companies that sell umbrella insurance will require that you have auto insurance and homeowner's insurance that is equal to your deductible. This ensures that you don't have to pay any more out-of-pocket than necessary.

There are times that it's better be "self-insured." This simply means that you are responsible for paying all of your insurance costs, which translates into an easy concept: you don't have insurance! Those who choose to be self-insured do so because they don't expect to ever need it. For example, if you don't drive but once a week, or you're a hermit and don't invite people to your home, you could possibly afford to be self-insured. But if you're a typical, extroverted American who uses a vehicle on a daily basis, it would be to your benefit to consider an umbrella insurance policy.

What Will Your Umbrella Policy Cover? What Doesn't It Cover?   The Overview Of Umbrella Policies   Umbrellas, They're Not Just for Fruity Drinks   Five Things You Should Know About Liability Insurance   

Essential Tips To Maximize Your WP Security

There are a lot of ways that can help you optimize your WordPress security. For many years, WordPress has helped a great number of marketers to promote their business and let it flourish in every single way. However, it has also been one of the most targeted sites of hackers. Because of its huge success, hackers find ways to infiltrate WordPress sites.

Some WordPress sites do not have the best security, which is why hackers can easily make their way into those sites. As a result, they steal all essential details and web traffic from those sites. Today, choosing the best WordPress Security should be considered to avoid any vulnerability on your site.

Listed here are among the most essential tips that can help you maximize your WordPress security:

• Use strong passwords - One of the most important factors to consider to make your site secure is to choose strong set of passwords. Utilize 10 or more characters in making your passwords. Likewise, make sure to mix letters, numbers and special characters with your passwords to avoid having the chance to be hacked. You should even avoid using "admin" as a username on your site.

• Choose only the best plugins - For your WordPress to flourish, it is a must to install the best plugins. Nevertheless, too many plugins will slow down your website. In addition, plugins that came from third-party providers may be badly coded. You need to know that badly coded plugins may allow hackers to infiltrate your site. With that said, choosing only the best plugins must be considered.

• Back up all contents of your site - another important thing that you need to know to increase your WordPress Security is to back up all contents of your site. Keep a copy of your site contents to your computer or off-site storage. If you have a successful site, you need to back all of its contents for safety measures. You need to act accordingly in ensuring the overall safety of your site by having a backup copy of it.

• Install WordPress Firewall Plugin - This type of plugin is important because it inspects web requests in order to recognize those requests that are obvious attacks to your site.

• Keep your headers and logos under 125 pixels - Having logos and headers over 125 pixels will take up valuable viewing space most especially for people who are viewing your site on a laptop. You should take clue from the big industries. The simpler the better, which is why limiting the size of your headers and logos must be considered.

• Keep your WordPress site updated to the latest WordPress version - Keeping your site up-to-date will help optimize its security in every way. WordPress also conducts the best ways to remove any glitches from their older versions. You have to know that the newer versions do not have any previous anomalies, making way for you to prevent any hackers you have encountered in the past. You just have to make sure that the version of your WordPress site is always updated.

• Delete the default WordPress admin account - You need to know that it poses threat to your site, which is why you should delete it. All you have to do is to create a new administrator account. Once you have your new account, you can delete your old admin account.

The tips mentioned above can greatly optimize your WordPress security. Having a WordPress site free from any attacks will help you go on with your business with peace of mind. It is a must to establish the best security to help your site be safe at all times. All you have to do is to know the best methods that can help maximize your WordPress security.

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Blogging Your Business - Is It for Me?

These days everyone has a blog, from sports figures to celebrities to the guy down the hall in IT. Everyone is blogging, so that naturally begs the question -- should my business have a blog to be successful?

The answer to that question is fairly simple in my opinion. All businesses can benefit from blogging, but service-related businesses (Realtors, Photographers, etc) and smaller retail stores are going to see the most benefit from blogging. The reason for this is twofold -- one, both of these industries are serving a customer who may not realize precisely what they want or need. Weekly blog posts can help solidify such a need in the customer's mind. Two, many of these types of businesses rely heavily on referrals (word-of-mouth business) and blogging lends itself well to referral business because the customer has the opportunity to learn more about the business immediately upon being referred.Many business owners want to start a blog but they don't know where to begin. Tumblr of course is a great platform, as is WordPress and Blogger. I have used all three and found Tumblr to be the best simply because of the social media integration (think of it as a Facebook for bloggers) as well as the ability to upload pictures, video, text, and audio from virtually anywhere. Tumblr assigns you an email address that you can use to upload content on the fly, and Tumblr's servers are smart enough to know what the content is before posting. If you upload a video it shows up in a media player, as opposed to a link. Audio files get the same sort of treatment.

Once the blogging service has been chosen, the hard stuff begins. Many businesspeople will feel overwhelmed at the prospect of writing an online "article" every week or even every month. Some people just aren't born writers, and blogging is certainly a skill that requires development like everything else. There is hope, however, for those who would like a little help. Many business consultants can be hired-in for copy writing purposes, and some will even manage the blog entirely. The rates for such services are fairly inexpensive -- from $50 a post or $20 - $25 an hour. Some owners will opt to use this sort of service every once-and-awhile until they feel comfortable devoting the time needed to make the blog successful.

Once content is present on the blog, it's time to share! This can be done via the company's Facebook, Twitter, or Google+ page. Also some businesses that will rely heavily on blogging (Photographers are an example) can set-up their website address to redirect to their blog. This makes it very easy for customers to access their photos (or jewelry, or anything else creative) without having to jump through multiple sites.

Having a robust following to your blog is great but not essential. A business consultant specializing in social media can give you a few tips on how to increase your follower ship. Just realize that building an audience takes time and patience, and there is no magic bullet for gaining 1,000 followers in a day. The fact that your blog is present and being updated regularly is the first step towards having a large audience.

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The Lazy Bloggers Way to Creative Copywriting

There are more and more bloggers popping up in the internet marketing industry on a daily basis. Now for some, this could be quite daunting as competition is fierce enough as it is without more people jumping onto the bandwagon everyday!

With this frightening fact, this is all the more reason you need to improve your creative copywriting skills so you can differentiate yourself among the bloggers who have no idea what they're doing.

Content marketing, or blogging is still as effective today as it was years ago, so if you know what you are doing, then traffic should not be a problem at all.

So let's get cracking into how you can improve your creative copywriting skills so that people will feel compelled to share it once they read it.

Awesome Creative Copywriting Tricks You Can Use Right Away

1. Finding your own voice

Yes, as cliche or cheesy as this may sound, bloggers don't become successful nowadays because of how professional or dull they sound, it's all about making your writing interesting, informative, yet entertaining to read that will get people coming back for more.

So instead of trying to sound like a scholar to get people to think that you're an authority figure, just be yourself.

Write how you talk, and you will find that people will reward you with comments and shares for showing them who you really are.

2. Being an informative storyteller

Instead of just laying out the cold hard facts to your prospects, intrigue, compel and create an emotional connection with them by telling them an inspiring story.

Stories are one of the best ways to get people to read your copy throughout it's entirety. So the more interesting, or inspiring they are, the better.

3. Word usage in your copy

Yes, the words you use have a massive impact on how people will receive, and view the information being given to them.

Be as creative, and descriptive as you can so their imagination will be stimulated.

Adverbs. such as quickly, easily or naturally will have more of an effect than if you choose to go without them.

4. Finding out what your prospects want

This little piece of information will do wonders for your creative copywriting ventures, since you will be gazing directly into your prospects thoughts and using that to your advantage to how you can get them to opt in or buy from you.

Once you find out what their desires are, write content that will lead them closer towards reaching that goal, but in order for them to find out the rest of the information, get them to opt in to your list to obtain it.

Things to Look For in an SEO Expert   3 Proven SEO Tips for Bloggers   Start Your Blog Right By Avoiding These Blunders   5 Ways To Get People Talking About Your Blog   

Probiotics - The Good Bacteria

PROBIOTICS - The Good Bacteria - Does your pet have digestion problems, diarrhea, skin problems, food intolerances, or other chronic health problems? Supplement with a high quality pet probiotic to restore your pet's healthy gut, and chances are you'll improve your pet's health.

A probiotic, sometimes referred to as good or friendly bacteria, is a microorganism necessary for a healthy and balanced intestinal tract. There are two types of bacteria found in the intestinal tract, good and harmful bacteria. Good bacteria, or probiotics, ensure good health as they are absolutely vital to help:

1. Produce natural antibiotics, which can fight harmful bactera.

2. Regulate and increase hormone levels.

3. Manufacture B group vitamins, biotin and folic acid.

4. Stimulate the immune system.

5. Reduce food intolerance.

6. Increase energy levels.

7. Inhibit the growth of some yeast.

8. Absorb nutrients, antioxidants and iron from food that is

eaten.

9. Reduce inflammation.

10. Increase digestibility of food.

Several things can destroy the intestinal bacterial balance in a pet's gut. Overuse of antibiotics destroys good bacteria as well as bad. Moreover, stress, poor diet, pollutants, environmental changes, and prescription drugs can also deplete beneficial bacteria.

Other culprits of good bacteria include chemical fertilizers, pesticides, and soil sterilizers in agriculture which damage the soil ecosystem and the natural flow of bacteria found in the food chain. These chemicals, as well as chemicals in the water supply, reduce the good bacteria in the gut. This allows harmful bacteria to multiply and produce large amounts of toxins and carcinogenic agents. These toxins inhibit the normal function of the digestive system and increase the demands placed on the liver and kidneys. Consequently, this speeds up the aging process and leads to various diseases and digestion problems.

Pets with large amounts of beneficial bacteria are better equipped to fight the growth of unhealthy organisms. So, if pets are to maintain a healthy body, they need large quantities of friendly bacteria. Supplement a well-balanced diet with a high quality pet probiotic and give your pet the health that he most certainly deserves.

Natural Approaches to Dealing With Pesky Fleas

Problems with Commercial Flea Killers & Traditional

Flea Bite Treatments

***Chemicals that act as poisons are strong enough to

kill fleas, but the long term effects on pets are

unknown, although they are probably not safe to

use. (Employees manufacturing these products must

wear protective clothing and use respirators.

Plus, the product labels warn against skin contact.

So,if the chemicals are potentially harmful to

humans,they are probably not the most healthy

product for pets. )

***Prednisone & other corticosteroid drugs used to

give relief from flea bites help to stop itching &

inflammation. But, they also suppress a pet's

immune system and have possible long-term side

effects: water retention, liver or thyroid damage,

hypertension, obesity, & heart attack.

Healthy Alternatives

***Strengthen your pet's immune system:

Eliminate food allergens from the diet, and

supplement the diet with a well-balanced

essential fatty acid (EFA), probiotics (bifidus

& acidophilus) & digestive enzyme supplements.

EFAs help to make your pet less attractive to

fleas, and digestive supplements carry nutrients

throughout the body & help to breakdown & remove

waste materials that may lead to food allergies.

***Herbs

-Add a pinch of garlic powder to food.

-Add apple cider vinegar to your pet's water.

-Sprinkle 1/2 teaspoon dried Nettle onto your

pet's food (helps to reduce allergic response).

-Add to food or squirt into pet's mouth a low-

alcohol liquid tincture of Dandelion Root,

Burdock Root, or Red Clover (helps eliminate

wastes & supports immune system).

-For severe flea bite allergies (red, inflamed,

itchy skin), licorice serves as an anti-

infammatory. Also, an aloe juice can help to

heal & to relieve itching. Directions: Add

one cup aloe juice to 4 parts water. Pour the

cool liquid onto affected areas of your pet's

coat.

***Environment Treatment

Since fleas spend 80% of their time in the

pet's environment, not on the pet, apply herbal

products to your pet's environmental areas

(bedding, etc.). Look for products that contain

extracts and/or oils of eucalyptus, citronella,

juniper, cedar, citrus oil, or Canadian fleabane.

(Citrus oil & Canadian fleabane contain d-

Limonine which can kill fleas.)

***Bathing

Bathe with a good, mild herbal pet shampoo

formulated to bring relief and remove fleas and

body wastes from the skin.

Only use shampoos meant for pets, not humans.

(Human shampoos are often too harsh and may

contain allergens that worsen a pet's allergic

condition.)

Also, don't shampoo too often or irritation &

dryness may occur.