Vacation rental insurance protects your home from risks associated with renting it to others. The policy is similar to a homeowner’s, providing coverage for the structure, contents, and liability while also providing income loss. Vacation rental policies can range from $1,500 to $2,500 a year. For a quick quote, tailored for your specific property, consider…
On average, monthly cloud-hosted voice-over-internet-protocol (VoIP) phone services range from $15 to $30 per user. Other expenses and factors add to your initial and ongoing investment, including internet service upgrades, metered international calls, the number of users, types of phone numbers, and advanced tools for collaboration. Use this guide to determine how much VoIP costs…
Swim instructor insurance is a policy providing liability coverage for someone who directly oversees the teaching and training of swimming. Swim instructor insurance costs as little as $150 per year with a $1 million general liability policy. Some insurers offer unique industry-specific policies that cover both general and professional liability. The term “sports instructor” covers…
A contractor controlled insurance program (CCIP) is a specific insurance policy purchased by general contractors to coordinate general liability for construction projects. Also called wrap-up insurance, CCIP insurance is controlled by contractors rather than project development owners. The cost for a CCIP starts at 1% of the construction costs with policy durations extending past construction…
A comparative market analysis (CMA) is a report that uses sales and property data from similar homes (also known as “comps”) to estimate a home’s current value. Real estate agents develop CMAs to provide property analyses for sellers, buyers, and investors. Hence, it’s important to know how to research and create a proper CMA report….
A rollover for business startups (ROBS) allows you to invest funds from an existing 401(k) or individual retirement account (IRA) into your business without paying early withdrawal penalties or taxes. A ROBS isn’t a business loan or a loan from your 401(k), which means there are no interest payments to make or debt to repay….
Every business in Oregon—even those with just one employee—is subject to the state’s sick leave law, which requires up to 40 hours of sick time off per employee during a calendar year. Depending on the size and location of your company, sick leave may be unpaid, although some employers are required to provide paid sick…
An accounts receivable (A/R) aging report shows all unpaid customer invoices grouped by the number of days outstanding. Its primary purpose is to keep track of unpaid customer invoices and the number of days they have been outstanding. A summarized A/R aging report will have one total for each customer broken up by the age…
