Author: TheSph3r3

Small Business Stressors – And How to Combat Them

Posted on by TheSph3r3
Small Business Stressors – And How to Combat Them

How to handle common business stressors.  

Running your own business has many benefits, from being your own boss to putting your heart and soul into your passion. However, that doesn’t mean you have to deal with sleepless nights and endless headaches just because you’re a business owner. Managing all the responsibilities of a small business can be overwhelming. As a small business owner, it’s important to focus on ways to eliminate stress so that you and your business can remain healthy. Check out common issues small business owners face, and the healthiest strategies to deal with them.

Time Management

Owning a business isn’t a part-time job. Half the battle of being a small business owner is managing your time effectively in the absence of having a structured schedule. It’s important to know when you’re most productive so that you can maximize your time. If you struggle with time management, try paying attention to what distracts you. Once you know where your pitfalls are you can start to organize your day to account for them. If you need to schedule blocks of time in your calendar to focus on important tasks or delegate other tasks, do so!

Feeling Fatigued

Exhaustion is inevitable when running a business. You face a steady influx of tasks that tire you both physically and mentally. If you’re burning the candle at both ends, you’re sure to feel the effects of it sooner or later. Make conscious choices throughout the day to get your body on track to ensure a successful night’s sleep. Limit caffeine, unwind before bed, and avoid devices like computers and smartphones before heading to sleep. Set a strict sleep schedule and aim for 7-8 hours each night.

Being Overwhelmed

Owning a small business is a large commitment that necessitates constant attention and awareness. It can be easy to feel overwhelmed by the sheer weight of responsibility from all of the nitty gritty tasks ahead of you. Be sure to use a planner or write down appointments, to dos, and important notes. It can also help to jot down monthly and weekly goals in order to increase your motivation.

Whether you’re looking at a new and exciting franchise opportunity or business insurance for your growing endeavor, the team at All Nevada Insurance can help! Contact us today for more information.

The Basics of Self-Employed Business Insurance

Posted on by TheSph3r3
The Basics of Self-Employed Business Insurance

Set off on the right foot by securing self-employed coverage.

If you’ve just taken a leap of faith and are newly self-employed, you’ll know that being self-employed is both exciting and nerve-wracking. While you may not be thinking about risks and your liability just yet, you’ll want to ensure that you have the right insurance in hand so that your endeavor is protected.

Business Insurance

Business insurance refers to a broad range of insurance types that are designed to fill the gaps in your existing coverage. If you work from home, you can’t rely on your homeowners insurance to cover your business’s equipment and damages. For such protection, you’ll need a home-based business policy, which would cover losses that don’t fall under your regular homeowners insurance, such as damage to your business property or theft.

If you run a small business with employees, you may want to look for a comprehensive policy that combines property and liability coverage. This type of policy protects the business structure itself and any business-related equipment against theft or damage.

Liability Insurance

Liability insurance is there to protect you personally against negligence claims. Depending on your business’s industry and risks, there will be different liability policies to protect you. Product liability insurance is designed for those businesses that sell products, protecting the company from claims resulting from injuries and damages caused by the product. Other claims can be covered by a general policy, which provides umbrella protection against negligence and personal injury claims.

Health Insurance

Leaving your office job may mean saying goodbye to company-provided health insurance. If that’s the case, you’ll want to secure your own health coverage quickly so that you don’t have a lapse in protection.

Need to know where to begin? Talk to the team at All Nevada Insurance to get started!

How to Choose the Right Franchise

Posted on by TheSph3r3
Choose the Right Franchise

Need help choosing the right franchise? Here’s how to get started.

Franchises are appealing to new entrepreneurs who want to the reduced risk of a proven product or service while still being their own boss. The parent company helps them to get on their feet and provides unlimited support for success. What’s not to love? The hardest part of securing a franchise is often deciding which one to join!

If you have no idea where to start, you’ll want to begin by asking yourself these questions.

What are my personal goals?

Everyone has different motivations for wanting to become an entrepreneur. Knowing what motivates you will help you decide where to begin. Do you want to spend more time at home, help others or further your entrepreneurial success? By figuring out your actual goals, you may be able to determine which franchise best meets your needs.

What role do I want to play in the business?

Do you want to be an active, hands-on owner or one that takes a back seat and hires staff to manage the business’s operations? Many franchisors offer an opportunity to be actively involved in management opportunity, but there are those that allow you to be relatively absent. Determine if you want to do a specific job, lead an organization, and manage managers!

What is my investment budget?

Franchise costs vary greatly, depending on the industry and specific business model. Take some time to weigh the initial investment against the expected return, along with your income, lifestyle and equity goals.

Do I have basic business skills?

Many franchises today want the franchisee to have the basic business know-how and entrepreneurial drive to succeed. In turn, franchisees who are focused on customer service and bettering the business are more likely to be profitable.

Ready to find the right franchise opportunity? Visit All Nevada Insurance today for more information!

Do Millennials Need Life Insurance?

Posted on by TheSph3r3
Do Millennials Need Life Insurance?

Reasons why millennials need life insurance coverage.  

Today, millennials, young adults (ages 18-30) face numerous financial challenges in addition to everything else they have to tackle – from confronting student loan debt to working out how to buy a home. As a result, many of them are waiting longer to buy life insurance.  However, it’s important to remember that no one is invincible, even though when we’re young and healthy, it’s easy to feel that way! For millennials who are healthy with no children and only a small amount of assets, there are still several valid reasons why you should consider purchasing a life insurance policy.

It offers protection. It’s not a pleasant situation to think about – the aftermath of your death – but you should at least have plans in place for it. Passing away could leave a family member or loved one financially struggling without your assistance or income. Life insurance provides a financial buffer for the people you care about in the event something happens to you.

Consider your cosigners. If someone co-signed for your student loan, such as your parents, it’s likely that the bank won’t discharge that debt upon your death. That means your parents, or others who signed the paperwork, would be responsible for paying the full balance. Life insurance can help to cover these costs so your loved ones aren’t saddled with the debt.

It’s more affordable when you’re young and healthy. You’ll never be younger than you are today, and it’s often the case of the younger we are, the healthier we are. Those are two important factors for getting affordable life insurance. You can lock in low rates by securing life insurance young!

You may need to supplement insurance provided by your employer. If you were lucky enough to land a good job with a great benefits package, you may already have a basic employer-sponsored group life insurance benefit plan. However, a simple policy may not cover every aspect of your needs. Talk to an insurer to discuss if you and your dependents could benefit from additional coverage.

Rest easy knowing you’re protected. Contact All Nevada Insurance for the quality life insurance that can be tailored to any generation!

Are You Looking to Buy a Franchise? Here’s How to Start!

Posted on by TheSph3r3
How to Start a Franchise

Easy tips on how to get started with your franchise opportunity.

A franchise model offers a good track record, an established brand name, training programs, support, and marketing assistance. With all that at hand, it’s no surprise that many entrepreneurs are drawn to the built-in security. The best thing that you can do before buying a franchise is to research.

Here are some of the best ways to get started!

Attend franchise events. The International Franchise Expo hosts over 300 franchises and even more interested individuals. It’s a one-stop-shop in terms of basic information and networking, as well as determining which franchise opportunity you want to become a part of.

Talk to franchisors and franchisees. As an initial step, head to the franchise’s website and request more information or call them directly. Ask in-depth questions so that you fully understand the ins and outs of joining the team. If you want much of the truth, ask the franchisees directly about their experiences, including the support they’ve received. For a better hands-on look, see if you can shadow him or her for one day.

Ask consultants, lawyers. A franchise consultant, also called a broker or coach, can provide excellent advice, although keep in mind they are often working for the franchisor. This is a good route to go to avoid a mess later one down the road.

Perform a web search. The whole web is at your fingertips, so many the most of it! Find out everything you need to know, how you can prepare, view legal documents, and ensure there are no lawsuits filed against the chosen company.

Once you’ve decided to become a franchise business owner, check out All Nevada Insurance’s franchise opportunity. Find out more information by giving us a call today!

Whip Up This Easy Valentine’s Day Recipe!

Posted on by TheSph3r3
Whip Up This Easy Valentine’s Day Recipe!

Try your hand at these quick and easy Valentine’s Day cookies.

Share the love of Valentine’s Day (and the love of sweets!) with these heart-shaped cookies! Not only are they easy to make, but are bound to impress your other half to sweeten him or her up to enjoy the romantic holiday. Check out the recipe below.

Ingredients

  • 1-1/4 cups all-purpose flour
  • 1/2 cup granulated sugar
  • 1/4 teaspoon baking soda
  • 1/2 cup butter
  • 1 to 2 tablespoons water
  • 1 teaspoon pure vanilla extract

Directions:

  1. Preheat oven to 350 degrees F. Line cookie sheets with parchment paper.
  2. In a food processor, combine flour, sugar, and baking soda. Pulse a few times to mix.
  3. Add butter, 1 tablespoon water, and vanilla to the flour mixture. Pulse until ingredients come together. If the dough seems dry, add the remaining tablespoon of water.
  4. Dump dough out and divide in half.
  5. Put each portion in between 2 large sheets of floured parchment paper. Use a rolling pin to roll dough until it is 1/4-inch thick.
  6. Use an assortment of heart cookie cutters to cut out heart-shaped cookies. Gather up scraps and re-roll to cut out more cookies.
  7. Place cookies on prepared cookie sheets about 1/2-inch apart.
  8. Bake for 7 to 10 minutes or until cookies are golden around the edges. Start watching cookies at 7 minutes to make sure you don’t overbake them.
  9. Cool cookies completely then use your favorite cookie icings and decor.

From the team at All Nevada Insurance, we hope that you and your loved one enjoy this recipe! For all of your insurance needs, contact us today.

Are There Gaps in Your Home Insurance?

Posted on by TheSph3r3
Are There Gaps in Your Home Insurance?

Is your homeowners insurance lacking coverage?

Every homeowner wants to believe that their standard home insurance policy protects them from every peril. If you’re like most Americans, you probably don’t realize that your homeowners insurance is lacking coverage. In fact, many policyholders are unaware of the ins and outs of their policies, which means they could easily end up paying a lot more money than they expected after damage to the home.

Below are common gaps in homeowners insurance that you should tend to immediately.

Flood and Earthquake Insurance

Even if your policy states that ‘all perils’ are covered, most policies carve out many exceptions or exclusions to this general provision. Damage caused by floods and hurricanes are rarely covered under a standard home policy. The aftermath of these events can be devastating, which is why obtaining coverage is so important. These policies can be purchased separately, protecting your home from each disaster.

Upgrades to the Property

If you’ve recently incorporated some home additions, you’ll want to talk to your insurer. If you update the home and therefore improve the value of the property, your homeowners insurance coverage will need to reflect the new value. If you don’t, you may only be covered to rebuild your home before your upgrades.

Home-Based Business

Many people don’t think twice about working from home. However, if you’re an entrepreneur working out of your home, you may not realize that some business exposures can be specifically excluded from your homeowners insurance – especially those related to customer traffic on premises. A business insurance policy may be needed to cover your equipment and liability risks.

For reliable homeowners insurance, visit the professionals at All Nevada Insurance. We serve Las Vegas, Henderson, and neighboring cities on Nevada!

The Main Benefits of Becoming a Franchisee

Posted on by TheSph3r3
Benefits of Becoming a Franchisee

Run your own business without facing the hurdles of a new business.

There’s little that we do in life where we don’t first consult the pros. We always prepare ourselves for big steps, such as learning to drive, taking an exam, or making financial decisions. Dipping our toes in and learning from the pros is how we best succeed in our endeavors. So why jump head first into a business that you’re not prepared for? Instead of landing yourself in the awkward position of attempting to run your own small business, purchasing a franchise is a wise choice to get you started.

The franchise route is often considered more secure, less risky, and more successful than starting up a traditional small business.

Here is just a handful of some of the benefits:

  • Established brand
  • Proven business concept and operating model
  • Established operating policies, procedures, and standards
  • Lower statistical risk of failure
  • Immediate momentum on opening through established brand equity of the franchise
  • Established customer base of the franchise
  • Training and ongoing support from the franchisor
  • Shared marketing costs with the franchisor and other franchisees
  • Support in difficult times from the franchisor
  • Ongoing product and service innovation
  • Increased buying power via the franchise group
  • Easier to obtain finance from banks and other lenders
  • Increased chance of a successful sale of the franchise upon exit

Even with all these benefits in reach, the franchisee must be able to take on the duty with due diligence.

Once you’ve made the decision to become a franchise business owner, take a look at the All Nevada Insurance franchise system.  Get started with your franchise system today with All Nevada Insurance.

Commonly Stolen Home Possessions

Posted on by TheSph3r3
Commonly Stolen Home Possessions

Stay one step ahead of burglars by understanding what they are likely to target.

Studies repeatedly show that burglars typically spend no more than one minute breaking into a home and fewer than ten minutes inside. Burglars often look for a window of opportunity and jump at the chance of a quick and easy job. While it’s important to keep your doors locked and your security alarms operating, knowing which items are most likely to be among a burglar’s loot can help to protect your belongings.

Cash

Unsurprisingly, an overwhelming among of burglars abide by the ‘cash is king’ idea. While more consumers are reaching for a debit or credit card to make purchases, many Americans continue to carry cash. Cold, hard cash is virtually untraceable and easy to exchange for goods, which makes it a prime target in a home burglary.

Jewelry

From pearl earrings to 14 karat gold watches, jewelry is one of the easiest things to sell to a pawn shop. Thieves take advantage of this situation by grabbing jewelry or even jewels if they can find some. Be sure to leave your prized pieces hidden away instead of out on your nightstand. If a piece of jewelry is incredibly precious, consider storing it in a safety deposit box at the bank.

Electronics

With several high-tech goods lying around the average home, it’s no wonder that many burglars take electronics. Not only are they easy to grab, but they can also be sold for a very nice price. To combat this, set passcodes on all devices and hide electronics out of sight from the window.

If you’re the victim of theft, homeowners insurance can help. Ensure that your belongings are up to date and correct on your home inventory and your insurance carrier will do the rest. Contact All Nevada Insurance to get started on the right policy to suit your needs, budget, and belongings!

Safety Precautions New Homeowners Should Take

Posted on by TheSph3r3
Safety Precautions New Homeowners Should Take

Safety Tips New Homeowners Need to Know

While you’re moving to a new home, the last thing on your mind is how to protect this new property. You may, instead, be concerned with furniture placement or how to fill out your new closet. However, new homeowners have a unique risk when they enter their first property.

Change the locks. You don’t know who was given a spare key by the previous owner, and it’s best not to chance it. As soon as you have the keys in hand, call a locksmith to change the locks. You may even decide to add new safety features such as a surveillance cameras and outdoor lighting at the same time, too.

Meet the neighbors. Your neighbors can be a helpful first line of defense against home incidents. They know the area and can keep an eye on your home. When you have a moment, go around and introduce yourself to your neighbors to form good relationships.

Get to know the systems. In an emergency, do you know how to shut off your water, gas or electricity? Get to know the property so that you can respond quickly. Familiarize yourself with each system as soon as possible.

Replace the filters. The previous owner may not have changed the filters in a while if they knew they were moving soon. Go around now and change the furnace and air-conditioning filters, making sure that the ducts are clear of any dust.

Test smoke alarms. Test all the smoke detectors in your new home, refreshing the batteries if need be. If there is a carbon monoxide alarm, test that, too. If there isn’t, consider installing one.

Your new home needs the right insurance to protect it from accidents and disasters. Contact All Nevada Insurance to get started on your reliable homeowners insurance policy today.