Will Giving Make You Rich?
As counterintuitive as it may seem, this has been a long standing belief of many ultra-successful people. This morning’s newspaper alerted me to an opportunity to begin researching this claim. Here’s what caught my attention. Most people know that Bill Gates

Time for Change Management; Franchisees Too Quick to Blame Franchisors for Their Own Failures
In reviewing the complaints of franchisees over the last 20-years we see some similarities to the over all society as a whole. Franchisees are often too quick to Blame their Franchisors for their Own Failures, insufficient capital and poor use of business acumen.Homeowners' insurance is a necessity that many first-time homebuyers are unaware of. Not only do lenders always require that mortgage properties be fully insured, you can benefit in many ways from this type of protection.

Many people who rent don't carry renter's insurance on their property. They feel as if they don't need it or they are unaware of it.

Owning a home is a different matter. You now have things worth insuring. Without it, you could lose your home and still be liable for a mortgage. With it, if you lose your home, you have protection that ensures your home will be rebuilt.

Anyway, banks require that you carry hazard insurance. Most homeowners' policies go further, adding protection against additional problems, such as theft of personal property and liability coverage for injuries on the property.

The basic form of homeowners insurance is known as HO-1. This policy provides you with coverage against damage by aircraft, vehicles, smoke, vandalism, malicious mischief and theft. It also provides liability for injuries to others on your property.

Broad coverage is known as HO-2. This includes the above coverage, adding the hazards of falling objects, weight of ice, snow and sleet, freezing

don't carry renter's insurance on their property. They feel as if they don't need it or they are unaware of it.

Owning a home is a different matter. You now have things worth insuring. Without it, you could lose your home and still be liable for a mortgage. With it, if you lose your home, you have protection that ensures your home will be rebuilt.

Anyway, banks require that you carry hazard insurance. Most homeowners' policies go further, adding protection against additional problems, such as theft of personal property and liability coverage for injuries on the property.

The basic form of homeowners insurance is known as HO-1. This policy provides you with coverage against damage by aircraft, vehicles, smoke, vandalism, malicious mischief and theft. It also provides liability for injuries to others on your property.

Broad coverage is known as HO-2. This includes the above coverage, adding the hazards of falling objects, weight of ice, snow and sleet, freezing

or a mortgage. With it, if you lose your home, you have protection that ensures your home will be rebuilt.

Anyway, banks require that you carry hazard insurance. Most homeowners' policies go further, adding protection against additional problems, such as theft of personal property and liability coverage for injuries on the property.

The basic form of homeowners insurance is known as HO-1. This policy provides you with coverage against damage by aircraft, vehicles, smoke, vandalism, malicious mischief and theft. It also provides liability for injuries to others on your property.

Broad coverage is known as HO-2. This includes the above coverage, adding the hazards of falling objects, weight of ice, snow and sleet, freezing

s, such as theft of personal property and liability coverage for injuries on the property.

The basic form of homeowners insurance is known as HO-1. This policy provides you with coverage against damage by aircraft, vehicles, smoke, vandalism, malicious mischief and theft. It also provides liability for injuries to others on your property.

Broad coverage is known as HO-2. This includes the above coverage, adding the hazards of falling objects, weight of ice, snow and sleet, freezing

malicious mischief and theft. It also provides liability for injuries to others on your property.

Broad coverage is known as HO-2. This includes the above coverage, adding the hazards of falling objects, weight of ice, snow and sleet, freezing and other single occurrences in heating, plumbing, electrical and air-conditioning systems.

Comprehensive coverage, HO-3 or HO-5, gives you coverage against all hazards except flood, earthquake, war and nuclear attack. Other policies include the HO-4 for apartment renters and HO-6 for condo owners.

In each policy, personal property is protected in a certain ration to the coverage purchased for the building itself. For example, if your home is insured for $110,000, your personal property insurance may be preset at $76,000. If you find you need additional coverage for your personal property it is easily and inexpensively purchased.

Just like auto insurance, the higher your deductible, the lower your premiums. Also, your insurance will remain lower if you hold back from bothering the insurance company about minor problems. Save it for when you really need it.