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Any business that uses a vehicle to conduct its regular operations needs to have commercial auto insurance. This kind of insurance covers damage or bodily injury if an employee gets into an accident while driving a vehicle for business purposes. While commercial auto insurance may share some similarities with personal auto insurance, there are some important distinctions between the two. Here’s what you need to know about commercial auto insurance, from what it covers to how to decide if you need it....

“Gorse” is nasty stuff when you encounter it on a golf course: A prickly shrub that can gobble up golf balls and the hopes of golfers. It is well-known to golfers because many British Open courses have stands of gorse in their rough. A golfer who hits into a gorse bush or a stand of gorse plants will either be calling an unplayable (assuming he even finds the ball) and taking a penalty to move his golf balls, or attempting to hack the ball out in an effort that usually produces the pain of thorn pricks....

“Peter and the Wolf” is a story accompanied by a musical composition, both of which were written by Sergey Prokofiev in 1936. “Peter and the Wolf” has become Prokofiev’s most notable work and serves as a great children’s introduction to music and the instruments of the orchestra. It was initially composed for Russia’s Central Children’s Theater in Moscow, but since its first performance the composition has been adapted into a Disney short film and continues to be performed in concert halls around the world....

01 of 21 The Michelin Man A Michelin Man tee marker at the 2005 Michelin Championship in Las Vegas. Grant Halverson/Getty Images Tee markers on golf courses’ tee boxes and teeing grounds tend to be … boring. Often just a globe, cone or cube, wood or plastic (sometimes stone), painted various colors to represent the different playing lengths available. Tee markers designate the space from which golfers begin each hole. And traditionally, they were colored red for forward tees, white for middle tees and blue for back tees....

Marketing for a nonprofit is similar to promoting any business—do it well, do it professionally, and the public and media will love you. If you’re just starting out or not familiar with marketing, then creating a nonprofit marketing strategy can seem like a daunting task. You can approach it by focusing on five interconnected areas first: branding, online presence, social media, fundraising, and media relations. Make a Mark Through Branding...

Like all branches of the U.S. military, the Air Force uses medals and ribbons to recognize airmen and women who have performed bravely both in combat and non-combat situations, as well as those wounded or killed in battle. Most of the Air Force medals have counterparts in the Army, Navy, and Marine Corps. Here are some of the best-known medals awarded by the Air Force, listed in no particular order....

Description: Sweepstakes Links: Click Here to Enter this SweepstakesClick Here for the Official Sweepstakes RulesClick Here for the Sweepstakes’ Home Page Note: If the sweepstakes entry link doesn’t work for you, try entering through the home page and looking for a link to the sweepstakes. Category: Baby Sweepstakes, Gift Certificates Sweepstakes, House & Garden Sweepstakes, Medium Sweepstakes, Monthly Sweepstakes Eligibility: USA, 18+ Start Date: October 01, 2022 End Date: December 31, 2022 at 11:59 p....

When it comes to apps for Android and iPhone markets, designers require choices that satisfy exacting standards and meet technical demands, while also sparking the creative impulse. This is especially true in the performing arts, whose designers require mobility and functionality for ease of use even in the midst of the chaos of rehearsals, preparations, and planning. There are some amazing apps out there now that are streamlined and smart, and that offer designers everything from inspiration and information to the technical tools to sketch, plan, and dream....

In the art world, the title of “curator” identifies a person who selects and often interprets different works of art, whether they be paintings, statues, tapestries, or video art. In addition to selecting works, the curator is often responsible for writing labels, catalog essays, and other content supporting art exhibitions. Art curators have an eye for a variety of art forms and a passion for staging artwork in a way that creates interest in the exhibition space—whether it is small or large, contained within four walls, or staged outdoors....

When questioned, should I become a prisoner of war, I am required to give name, rank, service number, and date of birth. I will evade answering further questions to the utmost of my ability. I will make no oral or written statements disloyal to my country and its allies or harmful to their cause. (Article V) When questioned, a POW is required by the Geneva Conventions and the CoC and is permitted by the UCMJ, to give name, rank, service number, and date of birth....

Leg stretches are important for ballet dancers. Stretching the muscles of the legs, especially the quadriceps, hamstrings, and calves, will improve flexibility as well as help to prevent injury. It can also enhance your performance as a dancer. The following ballet stretches for your legs are performed on the floor, but are easily adaptable to the barre. 01 of 03 Quadriceps Stretch dvulikaia / Getty Images The quadriceps are the big muscles along the fronts of your thighs....

Soft costs represent a significant portion of construction costs. These costs typically are associated with nontangible items, such as design work, real estate fees, inspection fees, project management, and taxes. Soft costs typically constitute about 30 percent of the total construction cost, while the remaining portion of the total costs ​is related to hard costs, such as for the building, site work, landscaping, and overhead.  01 of 10 Architectural and Design Fees...

If you’re a new business owner, you may be hearing some terms you’re not familiar with. This list of 30 business phrases can help you understand some of the jargon. Accounts Payable This is an accounting term that refers to the credit debt your business has incurred. Many businesses use credit for supplies, raw materials, or inventory purchases. The organizations you owe payment to are considered an account. These accounts can be put on a report for viewing....

As a builder or remodeler, your choice of flooring materials must satisfy your customers as well as your project budget. Some flooring choices are no-brainers such as installing tile in bathrooms. Other choices are subject to the home’s style and value and to the preferences of the local market. In any case, the price, quality, and style of flooring should be appropriate for the interior decor and value of the house....

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Estimating the cost of new concrete involves much more than the price of concrete per yard (or meter). There are many variables to consider, such as surface prep, formwork, reinforcing materials, and finish work, plus the cost of the ready-mix concrete, that will add up to the total price of the job. Costs for specific items will vary from location to location or from site to site, but you can get a rough estimate using some averaged amounts....

Do you like food? Not just eating it, but also trying new recipes and reading about it? Then a food blog might be right up your alley. Food blogs are popular and can be easy to monetize. But like all other work-at-home options, it takes planning, follow-through, and persistence to be successful. Before you begin pursuing your own food blog, it’s helpful to weigh the pros and cons. Pros You get to turn your enjoyment of food into income....

For an up-and-coming music act, or a band trying to build a following, there are few better avenues of free promotion than YouTube. Uploading a music video to YouTube, which has more than one billion users, gives artists a huge audience as well as insights about that audience. How to Upload a Video to YouTube First, you’ll need a YouTube account. If you have a Gmail address or Google account, you’ve already got a YouTube account; you just have to sign in using your Google log-in and password....

When a group works well together, it achieves the best results. That’s why employers want to hire people with team building skills. Good team builders are able to help groups work together well and meet their goals. Being able to build and manage a successful team is a qualification for many different types of jobs. If you’re being considered for a position that requires managing or being part of a team, you will need to show that you have the team building skills necessary for the job....

Different e-commerce businesses face different challenges. Quick-fix advice for success in e-commerce only scratches the surface of what separates successful businesses from struggling ones. However, e-commerce businesses with long-term success do tend to have some common characteristics. By breaking down these characteristics, newcomers can enter the e-commerce world with a handy toolkit of tricks and tips on how to thrive in this digital marketplace. Different e-commerce businesses face different challenges. Quick-fix advice for success in e-commerce only scratches the surface of what separates successful businesses from struggling ones....