Why do You Need Insurance for Business?

For any type of business, it is essential to make sure you have enough insurance cover for your needs. That means that you will have to get in place various types of insurance cover no matter what type of business you run. There are many different types of insurance cover to suit many different business needs and it is imperative that you get the correct cover.

If you are unsure of the amount of cover or the type of cover that your business may need then you will find that many of the insurance companies will have a 24 hour help line where a trained insurance advisor will be able to help with your needs. They will be able to advise on the type and the amount of cover for your kind of business.

If you are a landlord and have a property business then you will need specialist insurance to cover all your business insurance needs. Some companies offer an insurance tailored especially for landlords and their property portfolio. It is important that the landlord is able to protect his property investment, if you own property and rent it out for payment from tenants then you will need more than the average home insurance to cover all eventualities.

Some companies offer a very comprehensive cover for landlords that include property owner’s liability up to £10million, insurance protection for up to 10 properties in your portfolio, cover to rehouse your current tenants if there were a fire or flood. There are also glass and key replacement if windows are broken or if you lose the keys to your properties. Peace of mind is the essential thing that a landlord needs when they have a property portfolio.

Retail shops will need to have insurance for business that is specially tailored for their type of retail business. It doesn’t matter whether you have a franchise or a small independent shop you will find insurance cover that will suit your business needs. There are all kinds of cover for retail premises including cover for any theft from employees. Most insurance companies will be able to offer you retail insurance for business that is tailored so that you only ever get and pay for insurance that you need.

Besides the usual employers liability insurance and public liability insurance needed for a retail premises, there are also many other retail insurances including bankrupt interruption insurance which is for a business that loses all its working stock in a fire or flood. There is also terrorism cover for retail stores too.

Insurance for business can also include optional extras. There is also optional insurance for all your business equipment by AXA business insurance for example, as some business equipment that is used on a daily basis might need replacement if it is stolen or damaged.

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Your Questions About 10 Golden Rules Of Investing

Robert asks…

How do I run until I’m in shape?

Just trying to get some input now that I’m going to start running to get into shape a shed a few founds. I just want to know how many miles I should start running and how I should gradually increase the distance amount. Also, what tips or techniques can you give me? Such as foods, best time of the day to run, etc. Anything helps

Thanks guys

Justin answers:

For the first week just go out 3 times have a rest day between each run. Run slowly and as far as you can if you need to walk do so. The idea is to enjoy yourself. Go out for no more than 20 minutes at a time. Until you can run for the whole 20 minutes. Then increase your time to 30 minutes. Or add 2 minutes to each run. So you run for 22minutes then 24 and so on. The golden rule don’t add more than 10% at a time. Drink lots of water. Don’t eat anything heavy before you go out, best not too eat for at least an hour before you run. Drink after your run. Running slowly burns more fat than running fast. Change your route often if possible it will help to stop you getting bored. But find a route that you like and every couple of weeks see how much faster you can run it, to see how fitter you are getting. If you decide to keep on running and hopefully you will, invest in a good pair of running shoes. Find your local dealer and tell them you are a beginner and they will help you get the right shoes. Try to find a local running club that will give you lots of encouragement.
Good luck, get out there and have some fun.

Joseph asks…

How do the rich get rich without being born that way.?

unless they invented something or started some big company like pizza hut getting rich today is an impossibility. Really hard work will only get you a great paying job that’s not rich just well off. And all the tools necessary to venture into investments like real estate take tons of cash and unless your born with it your screwed.

Justin answers:

Donald Trump has been bankrupted before yet he always manages to climb the ladder again.

Getting rich is a skill. It involves so much more than just hard work.
My dad has worked hard his entire life. Do you know what he has to show for it? A bad back.

Simple tips:
1. Always save AT LEAST 10% of everything you earn.
2. Invest your savings (stocks, bonds, loaning to others, helping others get businesses started, etc.)
3. Follow the Golden Rule of Investing “Diversify!”
4. Manage your investments.
5. Find experts and get their opinions on investment opportunities.
6. Never risk more than you can afford to lose.
7. No Pain, No Gain.

James asks…

I have $5 taken out of my check each week for my company’s stock plan?

I work for a fortune 500 company and had then deduct $5 each week out of my check. I know this is extremely low but I have no clue how stocks and shares work. Could some tell me should I have them deduct more money and how the money will accumulate?

Justin answers:

Investing in equities is always a good idea in the long run, but investing in just one stock seldom is.
As a rule of thumb i advise people to invest 5-10% of their earnings into diversified retirement savings- and for anyone over 30 just starting, that figure needs to be higher.
The golden rules- start early. Diversify your investments. Stay invested in up and down markets, and take advantage of dollar-cost averaging- which means the same amount invested each week averages out highs and lows in the long run.
For advice, look to your local Primerica representative- google your local office.

Chris asks…

What are some of the strict rules of the Separate Baptist?

Justin answers:

Wow, when I first started going to church I attended a Fundamental Independent Baptist Church; these two types of churches seem similar. When I realized they were not biblical and left the church, I had no friends, and a head full of bad memories. Their practices are legalistic at best, but their belief, which I went on line to read, contradict each other and are scary. An example of the contradictions: Article 3 says, “We believe that man is in a fallen state before God and is unable to liberate himself by any ability he may possess by nature.” Which basically says, Man is bad and cannot come to God by “any” means he possess; therefore, if he’s left to his own devices he will die in his sins. If we compare that with Article 11: “We believe that Jesus Christ, by the Grace of God tasted death for every man, that none can partake of His Holy Divine benefits except by repentance toward God and Faith in the Lord Jesus Christ; Infants and the innocent, due to lack of mental ability excepted, they being included in the convenant of God’s Grace.” They spelled covenant wrong. And, what is an “innocent?” That a rhetorical question. No one is innocent according to Article 3. A baby is selfish; that’s its nature. The baby cries when it diaper is wet because it does not like the feeling of a wet diaper. It does not have the capacity to think, my parents are sleeping, and they have to work tomorrow; so, I’ll deal with my diaper until morning. What the church is saying is because these innocents and infants can’t make a choice for Christ they are in a select group of people that are protected and saved. Are they saying, these innocents and infants are part of the elect? Why didn’t they just say that? Because they don’t believe that; they believe in works righteousness. This brings me to their practices, because it is done to earn salvation:
-You can’t drink. I know a pastor who won’t have wine vinegar on his salad because he thinks its sin.
-You can’t dance. (That reminds me of a joke)
-If you miss a service or a time to go door to door and witness the pastor or someone else will make you feel guilty.
-Your tithing will be watched. You’ll be made to feel guilty if you don’t tithe.
-If you know your bible you will not fit in, and you’ll be labeled a trouble maker. You’ll jump from church to church in the same denomination thinking it’s just the pastor who’s too dogmatic. When you visited every church in your area, of like faith, you will have no friends and think you were rejected by God. Finally, you’ll figure the problem wasn’t with the pastors, it was with you.
I know many good intelligent people in those churches. Why are they still there? I’m convinced, and many have said, “All my friends go there, I have too much invested, I’m a deacon or Sunday School teacher, it’s like a social club. We also must remember many of the members are pulling a salary from the church, why would they kill the goose that lays the golden eggs. The others either turn a blind eye, or are ignorant and blissful.

Do not challenge them theologically unless you have time. Most baptist can recite and memorize proof texts like it’s no ones business. If you question their doctrine, only do it on one point at a time and open your bible and read the entire chapter in question. You will find 9 out of 10 times the verse they used, as a proof text, is out of context.

My suggestion to you is not to think twice but think three times.

Ken asks…

does anybody know any real treasure hunting websites?

i need to pay back a 10,000 dollar student loan and im hoping to strike it rich by finding a historic treasure so i can pay back my student laon.

Justin answers:

There are countless T.H.ing websites w/ good info., but I think you should start with the basic cornerstones that treasure hunting of today is built upon. As a student, you should be familiar with researching various subjects. In this case, I’d highly suggest investing in copies of Karl Von Mueller’s Treasure Hunters Manuals numbers 6 & 7. Combined, they represent the BIBLE of serious treasure hunters. READ THEM COVER TO COVER. LEARN FROM THEM. KNOW THEM! The author lets you know that treasure hunting can be done on a shoestring budget, and a metal detector isn’t always needed! However, one of these books contains instructions on how to build a decent (for the time) inexpensive metal detector. Of course, your local libraries should have books on the subject, and best of all: they’re FREE! If you must buy a detector, stay away from Radio Shack crap! Stick w/ Whites, Tesoro, Bounty Hunter, or Fisher brands. Check w/the manufacturers for seasonal deals, then check out auction sites for the used variety. See if you can find a local detector dealer/treasure hunting club–they’re likely to give you lots of useful information.
Research your local areas first. Gas is expensive, & you will be astounded by what can be found in your own back yard! BE AWARE TO BE SAFE! Be aware of areas that may have unexploded shells, uncovered mine shafts/wells, and rotten structures at risk of collapse! DO NOT WALK INTO ANY OLD MINE!

Check w/ your local county and state offices to see what laws for or against T. Hunting exist! Get permission from all landowners to detect their property! Learn where it’s illegal! Learn the proper techniques for digging up said treasure. It’s like being a courteous camper; leave no trace that you were ever there! Cover up your holes, pack out any trash you dig up & maybe someones’ trash left in the same area! The hobby/vocation of treasure hunting is very fragile, and we hunters must depend on each other to avoid property damage of all kinds. Please exercise upstanding morals and The Golden Rule. DO UNTO OTHERS! How would you like it if you woke up 1 morning to find your lawn defaced with huge open craters, or your front porch shattered, or (shudder) someone looted your grandfathers’ grave for his gold fillings!

All of the above, and more are dealt with in the books I mentioned (6 & 7) I’d also recommend looking into the magazines Western & Eastern Treasures, & Lost Treasures. GOOD LUCK!

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Davos Update: SAP Investing $6.6M in Entrepreneurship …

Davos Update: SAP Investing $6.6M in Entrepreneurship …

TodaySAP made two announcements covering how the company will encourage both entrepreneurship and sustainability.
Triple Pundit: People, Planet, Profit

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Debt Ceiling Investing

Debt Ceiling Investing

The US economy isn't exactly going great guns, but it may have just dodged another bullet. Republican leaders in the House of Representatives are now willing to lift the debt ceiling by enough to keep the government current on its obligations for
See all stories on this topic »

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Investing In The Recession – Business Insider

Investing In The Recession – Business Insider

I'm just going to come out and say it, ok? I miss the Great Recession already. I miss it for two reasons: first as an investor and second as a human. The Investment Side of the Great Recession. As an investor, the Great Recession represented
Business Insider

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Your Questions About Financing Film Uk

Ken asks…

Recommend a film similar to Wall Street but with UK setting?

Maybe based on Fleet Street / City / Canary Wharf? With business / finance background.

Preferred, but not necessarily limited to UK, any similar type of films will do.


financi4 answers:

Wall Street 2 is getting released in 2010, with Michael Douglas back as Gordon Gekko. ”Such Heroic Nonsense” has got a reccommedation for you.

Donald asks…

UK student seeking funding for New York Film academy?

Hi I left sixth form in september and they didn’t teach us anything about student finance. I’m finding it hard to find what I need, I cant even find where I need to apply because the directgov site is so vague.
I’m trying to get a loan to go to the new york film academy for a year. Has anybody else done the same?
I contacted the NYFA and they sent me to directgov. Apparently the NYFA offer a loan of some sort but you have to be accepted before you can find out if you’re applicable. trouble is you have to show some way of being able to pay for the course before they let you onto the books. and I cant find finance info on applying to a US uni…

so I’ve come here, Can someone can point me in the right direction?

financi4 answers:

NYFA asks that you email financialaid@nyfa.edu and explain your situation. Each student and their financial aid process is different. We will help you!

John asks…


I asked this question a while back know. 

But this time I have a bigger idea of what sort of job I would like to do. 

I live in the UK, and would love to work and live in America. 

I am 16 at the moment, And plan to make a move at around 21/22 years of age. It might be a big age difference but I want to know that I have a plan for the future. I might go to University, but the question is would I need to in order to get a job of in America?

I do Finance, Film Studies & Interactive Media (Computer Design) at school in Six Form (College).

I would like to be either an Accountant or something to do with Media & Computer Design.

I want to live and breath in the east of America as I find it more interesting on that side. (Sorry westerners). 

My question is what sort of company would want to hire someone like me to work for them? (Be specific if possible).

Also what would I do for a visa so I can legally stay in America? And what type would I need (if there are type’s).

Thanks for anyone who answers! 

financi4 answers:

Jobs aren’t what you think here. So i can’t imagine what things will be like 6yrs from now (when you turn 22yrs old)

Charles asks…

Which University is better for Accounting And finance Degree ? In London – Uk / Sandwich / Salary / money?

Dear sir/madam,
I am a student and have to apply for a uni. I can go to these universities from my home. What uni is the Best one among these unis?

1) Brunel
2) Kingston
3) Kent
4) London south Bank
6) London Metropolitan
7) Greenwich
8) Hertfordshire university
9) Univerisity of East London

Another Question pls – What type is bettter? A full time 3 year Accounting Degree course or 4 Year Sandwich Course Degree Course ? All i want to become a Chartered accountant quickly n earn some good money. Cuz i want to direct a film in sri lanka. i need about £ 50 k for that. so thats y i have chosen to do Accounting. How much a newly graduated accountant earn per year ?

Thanks very much
Have a nice day.
James bond ( sri lankan )

financi4 answers:

Contact your local Information Advice Guidance worker – you can find their details at the library or your local prospects office.

They will be able to answer all of your questions accurately

Good luck

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