CAREERTH

Equine insurance can be a difficult thing to shop for, especially if you’re a first-time customer. How do you know which insurance companies have your best interests at heart? How can you be sure that your policy will cover everything that you need covered? Before you stress, you should know that there are certain steps you can take to increase your odds of choosing a good policy. Here are just five of the fundamentals.

1. Determine Your Insurance Needs Do you own your horses, or are you tending or training them while they’re owned by someone else? This can make a big difference in the best kind of policy for you. Liability issues are completely different for owners versus non-owners, so make sure that you’re researching the right coverage type for your individual needs.

2. Ask for Recommendations Talk to the staff at the stables. Ask your friends in the local riding club. There are others in your community who have gone through the same struggle to find equine insurance, and their firsthand knowledge can help you hit the ground running when it comes to choosing a provider. Even if their advice is to avoid certain companies, you can cross their names off your shortlist.

3. Check Your Coverage Different policies will cover different issues. For example, some might be medical-based policies that will pay for veterinarian visits if your horse gets sick or injured. Others might be more focused on things like property damage or liability coverage if someone breaks into your stables. There’s no right or wrong answer when it comes to what you want your policy to cover; it all depends on your personal needs and preferences.

4. Ask About Rates How much does the policy cost? How much will you have to pay each month? Can this be adjusted if your financial situation changes in the future? Don’t be afraid to speak frankly about money matters when you’re talking to an insurance agent. You’ll want to have all of the facts before you make your decision.

5. Read Reviews A good insurance company will have an established presence on the web. This will allow you to look at customer reviews and see what other people have to say about the brand. Do they seem satisfied with the insurance company overall, or are they full of complaints about bad policies, rude agents and unexpected charges? Are there any commonalities to the negative reviews? If everyone is griping about the same thing, there’s probably some truth to it. These are just a few tips for choosing high-quality horse insurance. The animals in your care are depending on you, so don’t make this decision lightly. Evaluate all of your options and go with an insurance company that you can trust.…

Every occasion calls for a certain dress code. A gentleman attending a black-tie event in a tuxedo surely looks elegant and attractive. It’s a gesture of class, poise and an aura that attracts all eyes. But when he casually lifts his hand to check the time on a sporty, Casio calculator wristwatch with rubber strap, then something is unpleasantly queer with his dress code. Here are some rules to help you develop the uncommon knack of matching watches with the dress code.

Traditional watchmakers have always emphasized on manufacturing timepieces to fit any occasion. Panerai watches for sale feature different classes: Luminor, Luminor Marina as well as Mare Nostrum. These offer a variety of timepieces to go with any sort of attire of your liking.

Below is a simple guide as to which type of watch to wear for an occasion.

• Black/ White Tie Event. Traditionally, an individual wouldn’t wear a watch to a black-tie party, for it was a time out of time. Granted, for such an occasion, find a minimalistic watch with simple embellishments on the face and a black leather band.
• Office Wear. If you’re adorning in an office wear, a simple, classic watch; perhaps gold or silver. It should have a thin dial with limited sophistication.
• Sharp Casual. A sharp casual dress code refers to a button-down shirt, simple khakis, denim, leather shoes and no tie. It is the sort of dress code for a laid-back day at the office. And for such an occasion, a little sophistication does the trick. Therefore, try wearing a watch with a large face with a tinge of sophistication.
• Casual Wear. For a casual look; jeans and tees, any watch type can be worn except the dress watch (the watch with a plain white face and no complications). If you’re indulging in a physical activity, try a watch that is strong enough to endure the continuous beat from environmental elements.

Why January is the Ideal Time to Purchase a Watch

January marks the beginning of a new year. And apart from the new year’s resolutions people have, January offers the best time to purchase a watch. The following are reasons why.

1.      There’s Less Likelihood of Your Favorite Watch to Sell Out in January

During the holiday season, a lot of items in store shelves are sold out. This is the most frustrating aspect about Christmas. However, if you love collecting watches, January is the best time to shop because there is less traffic in stores and finding that watch you want is highly possible.

2.      Watch Prices Go Down in January

A lot of things in life lie in oblivion. But one thing for sure is that January follows the Christmas rush and shopping sprees. And if you have someone whom you didn’t gift with a Boxing Day present, January is the ideal time for purchasing a watch at a discounted price. Basically, you need to shop for the items you want in January, not those that are discounted.…

There are so many people who need financial wisdom and advice. Unfortunately, financial planning isn’t taught in schools. Truthfully, it’s one of the most valuable lessons anyone can learn. Since so many people love podcasts, it’s a great idea to use a podcast to teach others about finance. Consider these ways you can get started.

1. Develop a content creation schedule.
If you’d like to start a podcast, it’s important to remain consistent with your production and publishing of content. If you’re lacking in this department, it’s going to be very hard to gain traction. Plan ahead by sitting down to write a list of all the potential topics you’d like to cover. You can cover everything from real estate investing to financial planning for professional athletes. It’s also a good idea to take a poll to find out what people want to learn more about. This way, you’ll have a group of people who are guaranteed to tune in when their desired topic gets discussed.

2. Consider different guests you can invite.
If you’re a finance professional with a lot of expertise in the field, this is a great foundation. However, know that it’s not mandatory. You might decide to start the podcast as a resource to help you as well as others. Visit platforms like Facebook, Instagram and YouTube to find the most popular content creators in the financial realm. Reach out to a bunch of them to find out if they’re willing to make guest appearances on the podcast. As your guests share their expertise in their specific financial niche, this can help you diversify your offerings to your audience. As your guests share your podcast with their listeners, this will also increase your audience and visibility.

3. Find platforms to share your message.
Take a look at the different platforms to see which ones will work best for you. Since you’re doing a podcast, it’s a great idea to upload it to sites like SoundCloud, iTunes and Podomatic. Many people also use YouTube to share their podcasts. YouTube is a dynamic source since it’s owned by Google and is a highly visited website.…

Heraclitus once said that the only thing that’s constant is change, and I wouldn’t agree less.

Change is like race, it is part of life. Growing up, I’ve experienced change in my personal life, change in my career, and change in the community around me and in almost every other aspect. Through it all, I have realised that learning is the most effective way of dealing with change.

Learning is critical to our existence; it nourishes our minds the same way food nourishes our bodies. So, contrary to what many people would like to believe, learning should be a lifelong commitment, not something that ends after college.

Today, continuous learning serves as the basis for getting critical thinking skills and uncovering new ways of interacting with people from different ethical, religious, academic, and cultural backgrounds. Continuous learning is not just an essential part for every organization and career; it’s also an indispensable tool for personal development.

I’m a believer in continuous learning; I attribute my expansive knowledge and competencies to my consistency in learning. My mentor, Mrs. Rachel Harrison, a CIMA/ACCA Tutor and Academic Support at Kaplan once told me that lifelong learning will not just broaden my knowledge and create future opportunities, but it will also form part of my professional and personal development, so I don’t remain stagnant, instead realize my full potential.

Here are 5 ways how continuous learning influences my career and personal life:

1. I’m able to remain relevant

With continuous learning, I’m able to keep abreast with everything that’s happening within the accounting industry. It’s also easy for me to adapt to any new changes, so, it gives me confidence knowing I’m a valuable asset in the organization that I work in.

2. I’m prepared for the unexpected

Since I’m constantly acquiring new knowledge and skill sets, I’m always prepared to face any challenge. If I was to lose my job today, I will depend on my skills, and determination to land another job.

3. I keep boosting my profile

Continuous learning helps me to keep improving in my career, as such; I make my employers and co-workers happy. It’s why I get many recommendations from my managers and colleagues. I believe it will be easier for me to transition to another job when the right time comes.

4. I’m confident

Of course, with competence comes confidence – I don’t have to be anxious about losing my job to someone younger or better. I’m not afraid of taking on any challenge; in fact, I look forward to exploring new business ventures.

5. I see the bigger picture

I attribute my open-mindedness and attitude change to my continuous learning process. Building on what I already know has helped me discover more about my line of career. I don’t only look at one side of the coin anymore; instead, I look at all the three sides.

My future aspirations

I’m considering signing up for an ACCA course at Kaplan, to better prepare for my future –#AFutureYouCanCountO. I believe the institution has what it takes to help me develop my personal and professional skills through structured lessons and set objectives.

…

When you own your own business, you may not have a lot of time to spend making out your payroll. Your everyday routine may be full of tasks like meeting with clients, handling vendor orders, and otherwise taking care of your customers.

Even so, you cannot legally go without paying your employees on time. You are obligated by law to pay them on time and for every minute that they have clocked working on your behalf. Rather than take time out your busy day to make up your payroll, you can outsource it to a contractor that specializes in payroll, accounting, and hr solutions for small businesses in florida.

Timely Payroll

Depending on how often you pay your employees, you may need your payroll done up for you on a weekly or bi-weekly basis. The company can make sure that your payroll is finished on time so that employees’ paychecks or direct deposits are sent in a timely manner. They will not face a late pay date because of your inability to finish the payroll in a timely manner.

When employees are owed benefits like paid sick or holiday time, they also can get these benefits paid to them through the payroll company. You do not have to keep track of what employees are taking sick or vacation time. The company can log that information for you.

Payroll Taxes

As a business owner, you are also obligated by law to fill out and submit your payroll taxes on time each quarter. You typically have until the middle part of the month every three months to pay your taxes on your payroll. If you are late, the IRS can fine you heavily.

The payroll company can take over filing and paying your payroll taxes for you. They can take it out of your cash flow or deduct it from your bank account, whichever you prefer. They can also make sure the returns are submitted with proof of your payroll expenses and deductions so you avoid being penalized.

Outsourcing your payroll to a third-party contractor can save you time and money. You fulfill the most important obligations of running your own business.…