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Day care centers and other child care providers need insurance to protect themselves from third-party claims and other types of losses, such as damage to personal property. Insurance products designed for child care providers are available from specialty insurers like Markel and Philadelphia Insurance Companies. They can also be purchased from an online insurance seller like Next Insurance or Insureon. If you operate a child care business from your home or a local facility, you may want to consider these various types of insurance....

A group of marketers sits behind a one-way mirror, taking scrupulous notes on a focus group. Nearby, a marketing specialist is scraping metadata on area demographics, looking for patterns. Another team member is reading, consuming, and interpreting survey results. An analyst is crunching spreadsheets, shifting pivot tables and cross-referencing sheets. This data is the raw foundation of marketing, but what comes next? The Marketing Creatives Next comes the creatives. The creative process can really be looked at as more of a shaping process than a process of pure creation....

A simple coffee shop business plan can help you get your business off the ground by following a standard layout consisting of a single document divided into several sections. Included should be a description of the organization, market research, competitive analysis, sales strategies, capital, and labor requirements and financial data. Business plans range from a few pages to hundreds of pages long depending on the size and scope of the business....

A flood certification, sometimes called a flood cert in real estate, is a document that states the flood zone status of real property. Federal Emergency Management Agency (FEMA) flood maps are examined using the address or geographic coordinates of the property. A flood certification provider can then certify, based on the property’s location on the map, whether it’s situated in a flood zone. When a Lender Is Involved When a property is financed, the lender should have a resource for flood certifications to accomplish this task in purchases....

Your freelance writer website is one of the most critical aspects of your marketing plan. Having a web presence is important because it’s often the first place that a potential client will go to check out your work history, writing samples, and skills. These days, all professional writers need a website that showcases their work, and if you don’t have one, you’re missing out on potential business.​ What exactly does it mean to have a web presence, though, and what elements should a freelance writer’s website include?...

Many golfers are looking to improve their golf swing power, distance and golf swing speed in a search for longer drives, but most of them are looking in the wrong place — focusing on the club instead of the engine powering the stroke: the golfer’s body. Golfers who seriously want to improve their drive strength should look beyond the $500 drivers to the core of what makes a good drive: muscle control and power....

There are several reasons you may want to change your eBay user ID number. The most common is for marketing purposes if a business changes or you move from an individual to a business status. For example, “tania249” might become “TaniasDresses” or “the_paper_company” might become “the_pencil_company” instead. If you’ve decided that it’s time to change your eBay member ID, follow these steps to select a new one: Click on the “My eBay” link at the upper right of any page on the eBay website....

The United States Bureau of Labor Statistics predicts these 10 careers, which require only a high school or equivalency diploma, will grow faster, through 2024, than all other occupations that have similar requirements. Most workers in these occupations receive on-the-job training only, but some must do apprenticeships or take classes at a trade school or community college. Beware of choosing an occupation merely because it is on a best careers list like this one....

The Marine Corps has a rich history and long list of traditions important to every member of the service, past and present. They have grown out of the manner in which Marines of the past conducted themselves as well as present Marines honoring Marine heroes of yesterday. The USMC has incorporated some of these traditions into regulations in order to standardize conduct throughout the Corps, but many can’t be found in written directives....

More than 100 aquatic or marine mammal species rely on freshwater or saltwater to live, feed, and reproduce. Some of these include seals, whales, dolphins, manatees, and otters. The people responsible for studying these animals, their behavior, and their habitats are called marine mammalogists. Marine mammalogists are specialized marine biologists, who study marine mammals such as whales, dolphins, seals, and sea lions. They may specialize in one specific group of animals such as pinnipeds (seals, sea lions, and walrus), cetaceans (whales, dolphins, and porpoises), manatees, and other aquatic mammals (sea otters and polar bears)....

The vast majority of real property transfers in the United States are a result of their listing in a multiple listing service (MLS) and the cooperation of agent and broker members of that MLS. Learning to use the MLS and a few other approaches will help you to more effectively market your properties to your peers. 01 of 05 Talk About Your Listings Westend61/Getty Images At that next board luncheon, when you’re talking to your peers about your day, your latest client horror story, etc....

Description: Want to have some outdoors fun on a cool new vehicle? Enter Sea-Doo’s Win a BRP Vehicle Sweepstakes and you could win your choice of four different sports vehicles. The options include a Ski-Doo, a Sea-Doo, a Can-Am on-road vehicle, or a Can-Am off-road vehicle. The prizes are worth up to $20,000. Sweepstakes Links: Click Here to Enter this SweepstakesClick Here for the Official Sweepstakes RulesClick Here for the Sweepstakes’ Home Page...

The federal minimum wage of $7.25 per hour for nonexempt employees went into effect on July 24, 2009, and has not been increased as of February 2019. However, 29 states have a minimum wage higher than the federal rate, and employees always must be paid the highest of conflicting rates, whether they are based on federal, state, or local laws. The federal minimum wage always requires nonexempt employees to be paid 150% of the regular pay rate for any hours beyond 40 worked during the same week....

In traditional Punch and Judy shows, the anti-hero Punch insults, pesters, and beats his fellow characters, much to the delight of the audience. Punch and Judy shows were a glorious display of political incorrectness. London’s Covent Garden features a large plaque on the walls outside of St. Paul’s church announcing it as the location of the the famous Punch and Judy Shows performed during the 1600s. That’s right, Shakespeare’s plays competed with puppet shows....

These toy sweepstakes give you chances to win prizes to delight anyone who loves to play. Whether that means treating your inner child to a free game console, winning action figures or dolls for a beloved little one, creating the perfect playground for your home, or stocking your shelves with possibilities for your next board game night, these sweepstakes can help. Toy contests and sweepstakes can make any holiday a big hit, whether you use the prizes you win to pile under the Christmas tree or to make a birthday that your child will never forget....

Some roadside emergencies require a call to a tow truck and a haul to the mechanic. Others can be temporarily solved with just a bit of preparation. For instance, fixing a leaking radiator is as simple as having a few packets of pepper on hand. Drip Drip Drip If your car begins hissing and steam erupts from under the hood, the first thing you should do is pull over. Then check under the car....

The Intergovernmental Panel on Climate Change (IPCC) has reported to the United Nations that the Earth’s climate system is undoubtedly getting warmer. The IPCC has also concluded with 95 percent certainty that much of the accelerated warming of the past 50-60 years is due to human contributions. Large percentages of this increase are due to activities by businesses, factories, and other commercial facilities. As the levels of carbon dioxide (CO2) and other greenhouse gasses increase, more heat is “trapped” in the earth’s atmosphere and global temperatures rise....

Nonfeasance isn’t a word you hear thrown about often in Human Resources circles, but you need to become aware of it. The simple definition of nonfeasance is “the omission of some act that ought to have been performed.” To provide an example, nonfeasance is talked about in medical situations quite a bit. If you’re walking through the park, and you see a person collapse on the ground, you’re under no legal obligation to provide first aid or call 911....

It doesn’t matter if eBay is your hobby or full-time family business, working the eBay platform is time-consuming. It takes a lot of time and work to find the right items to sell and photographing, editing, and listing the photos before packing things up for shipment. Any automation you can incorporate into your business will save time, money, and frustration. eBay has a feature called Immediate Payment, where buyers must pay via PayPal before the sale is completed....

Landlords have to deal with many different types of tenant complaints. Sometimes the issue revolves around pets. It could be excessive noise, strong odors or a vicious animal. Learn what steps a landlord can take when a tenant complains about a pet. How Serious Is the Complaint? Some tenant pet complaints are nuisances, while others require immediate action. Below are some examples of complaints that could be classified as emergency, high priority, average priority and low priority....