Does Car Insurance Cover Wildfires?

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In 2018, the United States had more than 52,000 wildfires. A single wildfire can cause unimaginable damage. For example, the 2018 Mendocino Complex fire in Northern California encompassed nearly 460,000 acres. From January 2019 through early October 2019, wildfires scorched 4.4 million acres nationwide, according to the Congressional Research Service. Fire insurance can help if you’re at risk.

When wildfires strike, they can destroy everything in their paths. In California and Texas alone, nearly 3 million properties are at risk of wildfires, according to the 2019 Verisk Wildfire Risk Analysis.
Business owners and homeowners need to protect their properties with insurance that covers wildfire damage. But structures are not the only types of property that need insurance that covers wildfire damage.

If a wildfire consumes your home and destroys your car, your homeowners policy will not pay to replace the vehicle. But does your auto policy provide all the protecti… Read More

When to Hire a Personal Injury Lawyer

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Image by Claim Accident Services from Pixabay 

Although we do our best to avoid injuries, accidents can happen at any time. In many cases, people can hire a personal injury lawyer and claim compensation for an injury they’ve suffered.

However, people don’t always realize they’re eligible to make a personal injury claim following an accident. If you’ve sustained an injury that wasn’t your fault, it’s worth seeking legal advice. Some of the most common personal injury claims arise because of:

1. Slips, Trips, and Falls

It’s easy to miss your footing and stumble. This is why slips, trips, and falls are such common accidents. Although most falls don’t cause serious injury, a significant number of people experience broken bones, head injuries, and even spinal damage because of these types of accidents.

If you’ve fallen and you don’t believe the incident was your fault, you should be able to obtain compensation. To ensure you … Read More

Ordering groceries from Walmart? You can save $10 with this code.

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Ordering groceries from Walmart? You can save $10 with this code.

TL;DR; As of Feb. 28, you can take $10 off your first Walmart Grocery Pickup & Delivery order by entering the code TIMEBACK during checkout. 

ICYMI, Walmart is coming for Amazon Prime’s crown with a new subscription service called Walmart+, Vox’s Recode reported Thursday. 

Few details have emerged about the yet-to-be-priced program so far, but as far as we know, it’s a kinda, sorta rebrand of the retailer’s $98/month Delivery Unlimited service where customers can get unlimited same-day delivery of groceries from participating stores. In the long run, Walmart reportedly hopes to add additional perks like prescription drug discounts and savings on fuel from its gas stations to Walmart+. (We’re crossing our fingers for eventual eye exam discounts, access to deluxe recycling facilities… Read More

Delta and American Express send new limited-time card offers sky high

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Delta and American Express are relaunching their co-branded credit cards with new rewards and travel perks, but higher annual fees for consumers and business owners. All seven cards debuted with a new look and feel on Jan. 30, 2020, with select cards offering welcome bonuses of up to 100,000 miles through April 1, 2020. And for the first time ever, the Delta SkyMiles® Platinum and Reserve American Express Cards are being made from metal.

It’s the first limited-time offer featuring all seven cards (four consumer and three business) from Delta and Amex. For the Platinum and Reserve cards, it’s their best offer yet.

“The completely reimagined cards are tailored to what our customers told us is most important to them,” said Sandeep Dube, CEO of Delta Vacations and senior vice president of customer engagement and loyalty. “We are excited to bring years of planning and in-depth research to life with new benefits focused on more ways to earn miles, get to status f… Read More

The Decision Points in Life

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When I think back throughout my life, I can see a few big turning points that really stand out.

When I was a senior in high school, I had three scholarship and financial aid packages for college that stood out head and shoulders above the rest. They were all offers from good four year schools, each one with a different set of strengths, and each in a different region of the country — one in the Midwest, one in the South, and one in the Northwest. I actually filled out the paperwork to accept the offer and agree to attend each of the schools. I sealed those envelopes and thought about them for a long while — several days, in fact — and finally dropped one in the mail. I still don’t know precisely what caused me to choose that particular one, but I know that moment indicated three very different directions in my life.

At one point in our relationship — we had been dating for a few years, but hadn’t yet married — Sarah and I hit a really rocky patch…. Read More

Weekend Favs February 29

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Weekend Favs February 29 written by John Jantsch read more at Duct Tape Marketing

My weekend blog post routine includes posting links to a handful of tools or great content I ran across during the week.

I don’t go into depth about the finds, but encourage you to check them out if they sound interesting. The photo in the post is a favorite for the week from an online source or one that I took out there on the road.

Notion – A comprehensive work tool that brings together to-do lists, knowledge base, databases, and notes all in one place.
How to Design Infographics That Will Impress Your Boss – Visme shares 9 tips to creating an infographic that will capture your audience’s attention by teaching something valuable.
Tag Snag – Pull all of the video tags your competitors are using on YouTube – great for optimizing video content.

These are my weekend favs, I would love to hear about some of yours – Tweet me @ducttape

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Top Tips for Starting an eCommerce Business

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Photo by Charles Deluvio on Unsplash

The eCommerce industry is booming and predicted to grow over the coming years. Understandably, this makes it a popular industry to enter for entrepreneurs. There is potential for great success here. Many believe that this is a type of business that can be easy to set up and run. While setting it up is relatively easy, the industry is not easy to succeed in. The competition is incredible and with millions of sites, it is hard to get noticed. With this in mind, here are a few handy tips for starting an eCommerce business.

Sell Products in Demand and with a Theme

When starting an eCommerce business, you need to make sure that you are selling products that are in demand. Though your idea may be great, demand means sales. Additionally, you need to have a theme for your store so that you can identify a target customer. You should keep t… Read More

How the Supply Chain Affects Business Success

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Photo by Levi Saunders on Unsplash

Whether you’re the CEO of a rapidly expanding organization or the owner of a new startup, the fortunes of your business are subject to one undeniable fact: The success of your company is inextricably linked to the performance of your supply chain. If you want to achieve business success, you will need to ensure that your supply chain is successful, too.

According to a 2014 survey from Deloitte, 79% of companies with supply chains that perform at higher than average rates will achieve revenue growth that’s also above average within their industries.

On the other hand, a mere 8% of businesses with lower than average supply chains report above-average rates of growth. This is a figure that clearly highlights how absolutely crucial the interrelations are between an organization and its supply chain.

How the Supply Chain Affects… Read More

What is gap insurance and do I need it?

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The minute you drive off the dealer’s lot with a new car, it begins to depreciate. According to the Insurance Information Institute, most automobiles depreciate by 20% their first year on the road.

Collision and comprehensive auto policies only pay up to the actual cash value of your car. If you buy a new car for $30,000 and total it in the first year, the insurance company will only pay what it’s worth on the market; let’s say $24,000. If you total the vehicle three years into ownership, it will have depreciated even more, so the insurance company may only pay a claim equal to half its original purchase price.

Unfortunately, the scenario only gets worse. If you took out a $28,000 loan for the car and total it the first year, the amount of money the insurance company pays on your claim will not be enough to pay off the loan. The situation isn’t as dire as it might seem because gap insurance can help cover the difference between the amount of your claim check a… Read More