4 Types of Insurance You Need to Protect Your Business

Contributed article in our business series. Enjoy! – Kimberly

No matter what type of business you’re planning to run, there is a certain amount of risk that comes with having your own company. Even if you put all your effort into getting your business off the ground, there are all sorts of unforeseen circumstances that can arise, making it more important than ever to take out insurance. Whether you’re a small business or large organisation, keeping your company protected is crucial.

With that in mind, here are four types of insurance you should take out in order to ensure your business is protected.

Employers’ Liability Insurance

If you are employing others in your business you are legally required to take out employer’s liability insurance, which will ensure your employees are protected if they have a fall or are injured whilst at work. It’s important that you display your insurance certificate where your staff can view it.Continue reading

Avoid Tapping Into Your Retirement

Contributed article in our financial series. Enjoy! – Kimberly

A hefty 401(k) is in an important part of building your retirement nest egg. The best way to keep it viable is to never dip into it for any reason. Of course, emergency situations may arise over the years. However, you really need to have another financial source available when and if that situation arises. Credit cards are the traditional go-to, but if unavailable due to bad credit the next option to consider is to apply for a bad credit installment loan online. Though debt is never ideal, it’s better than the alternative; remember, tapping into your 401(k) savings may be more costly than you know.Continue reading

Your Credit Impacts More Than You Think

Contributed article in our career series. Enjoy! – Scrappy Kimberly

When was the last time you checked your credit status? If it’s been more than six months to a year, you may want to make this a priority. Though it may not seem like a big deal at the moment, as companies begin to become increasingly dependent upon credit to determine eligibility for products and services, a poor credit history could mean the inability to get even some of the most basic things.

Don’t believe it? Here’s how a negative credit rating can impact your life.Continue reading