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Advice for homeowners to help avoid premises liability issues with their homeowners insurance.

Imagine this: Your remove a board on your deck because it is damaged. You plan to replace it right then, but you are interrupted before you finish the job. You alert your family to the danger, but you do not mark the spot. You do not expect that an acquaintance will stop by that evening and choose to seek entry through the side door, rather than the entry door. Not seeing the missing board, the visitor puts his foot through the opening and falls, wrenching his knee. You rush him to a nearby hospital, apologizing profusely but confident that whatever medical bills arise from the incident will be paid by your , we wouldn’t need insurance.

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Although talking about your salary may be the most common question that you would get during a job interview, this is actually a trick question. Giving out a price for your work would tell your interviewer how you gage your work, your skill and your experience. Just remember not to undersell or overprice yourself. Most interviewers would ask you what your previous salary is in your former company. They would often offer 10% to 30% on top of it if the company you applied in is well founded.

To help you with discussing your salary during a job interview, here are some guidelines you can follow:

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If you’re a business owner who keeps losing your key employees, consider these reasons why they may be jumping ship. I’ve worked in payroll and HR for over thirty years and have interviewed numerous employees to ask why they leave for another job. I see the current trend for workers to only stay with a company for a short time and leave for reasons that could have been avoided.

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Becoming an insurance adjuster is probably not on most third grader’s list of whom they want to be when they grow up. It certainly wasn’t on mine. But when reality sets in, as it has a habit of doing, and you find that age 28 you still haven’t fulfilled your third-grade destiny as zookeeper or astronaut, its time to look at some alternative career options. As I discovered, through good fortune, insurance claims adjusting happens to be a seldom considered gem of a career move. Working as a claims adjuster, specifically an independent insurance adjuster, has some extremely attractive features that may surprise you. Here are just three:

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